AC Autopay, LLC

2019-09-18

Lewisville, TX

Improper use of your report

Vehicle loan or lease: Loan

Reporting company used your report improperly
Complaint: I inquired about refinancing my auto loan with auto pay back in XXXX of XXXX and did not go through the process. They re-shared my information without my request, approval and consent with other creditors including XXXX on XX/XX/XXXX, resulting in unsolicited and unproved credit inquiries. I contacted XXXX which directed me to XXXX which directed me to auto pay. XXXX XXXX from XXXX gave them the information for XXXX XXXX at XXXX ( XXXX and XXXX ) to address the situation. I have left multiple voicemails to XXXX on XX/XX/XXXX and have sent her an email without being able to get in touch with her. I had previously emailed XXXX to inquire about this issue and have not received a response yet.
Company Response: Untimely response

Untimely Response

2019-09-16

Wallington, NJ

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with signing the paperwork
Complaint: On XXXX I agreed on a purchase price with the seller for a XXXX XXXX XXXX on XXXX. I was then contacted by their financing partner AUTOPAY on XXXX who claim to provide stress free financing where they take care of all paperwork and essentially act as a middle-man dealer between two private parties. Between XXXX and XX/XX/XXXX I provided all requested documentation and was approved for a loan. Final loan documents were then supplied by AUTOPAY, with numerous errors ( counterparty name, interest rates, and other crucial pieces of information ), after notifying the firm of the mistakes the loan documents were resent and finalized by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX AUTOPAY did not return any requests for information or status of the loan. On XX/XX/XXXX the lender requested a few final pieces of information, all of which was provided within hours. I was then instructed to wire AUTOPAY the down payment, which was sent and confirmed received on XX/XX/XXXX. After confirming the receipt of the wire, AUTOPAY stated it would be a few days maybe when I inquired as to when I could pick up the car and register it. Following this promise there was minimal communication until XX/XX/XXXX when I was told it would be completed by XX/XX/XXXX no problem. On XX/XX/XXXX there was no communication and when I called to inquire they acted as if they did not know what the hold up was. Since XX/XX/XXXX they have made no progress and continue to push off giving explanations as to what is taking so long. Not only have I had to correct loan documents, and title process ( they were grossly unaware of how titles work in NY state ), but I have also spent countless hours on the phone waiting on hold just to be disconnected or told they will call me back which has rarely happened. To date I have not only paid them a {$490.00} financing and paperwork fee but have been out my $ XXXX down payment for a month, paid a full months insurance on a car ( {$100.00} ) I do not have and have had to pay {$22.00} per day to get to and from work via public transportation. They have not only mishandled numerous pieces of information, been extremely untimely and provided false promises but have also cost me a $ XXXX+ in incidental costs due to their mistakes. I would highly recommend staying away from AUTOPAY and their affiliates.
Company Response: Untimely response

Untimely Response

2019-09-11

E Strodsburg, PA

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Company Response: Untimely response

Untimely Response

2019-09-09

AL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I was told that my application to refinance my car was only going to be sent to one company by Autopay and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called Autopay to check on my application because I had not been contacted. I was told by XXXX XXXX Grant that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called Autopay on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.
Company Response: Untimely response

Untimely Response

2019-05-31

Ft Myers, FL

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Problem with personal statement of dispute
Complaint: During the month of XX/XX/2017 on the way back from my monthly XXXX XXXX drill my motorcycle was stolen. I called my insurance company to file a claim and called my financial lender for the loan and let them know that the motorcycle was stolen. There was an investigation done by XXXX county sheriff and the outcome was the bike was uh unable to be recovered. The motorcycle was installed with a XXXX device which was part of the loan agreement when it was financed. To my surprised the XXXX that I was charged for was never activated and thus made the probability of locating the motorcycle nearly impossible replied the detective handling the case. I went through financial hardship paying for transportation because I no longer had a vehicle to take me to work, school etc. It took nearly 4 months for this company to receive a check from my insurance company due to extremely poor customer service. There was a total of 4 checks mail to the my financial lender finally paying the complete remaining balance of the loan. I wrote a good will letter explaining my hardship that I was struggling not having a vehicle and no leniency was given. During this process of my motorcycle being stolen cause you not able to make payments. My account was reported late to the credit bureau causing my credit score to decrease dramatically.
Company Response: Untimely response

Untimely Response

2019-04-22

Nashville, TN

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: XXXX XXXX was my go to shopping site for auto refinance which make me sign a disclaimer that state lender MAY do a hard pull on my credit account. AutoPay reached out to me offering for the refinance and the gentle man gave me a offer and I clearly told them to wait until I hear from other lenders as I was still shopping. I also told them over the phone to not complete my application and even if they do don't do any hard queries on my account, but soon after I ended the call they did a hard pull on my account and when I called the agent, he apologized me for doing it by mistake and also told me that his manager will call me for the dispute. The great manager called me and said since I signed the disclaimer with lending that gives them the super power to do hard pulls on the account how many ever times they need which is ridicules. I still don't understand when I didn't authorize anything over the phone, they did a hard pull on my account and not willing to dispute it. Now they're not even picking my calls. Please help me hear. This is cheating.
Company Response: Untimely response

Untimely Response

2019-03-28

Lenzburg, IL

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Complaint: I got a quote from autopay.com for a refinance loan. Their estimated price for the product I selected was $ XXXX/month. After I was " approved, '' the price jumped to $ XXXX/month and included gap insurance I specifically had UN-selected in my application, a {$1700.00} service contract I wasn't even given the option to select or un-select, and over {$500.00} in taxes and fees I had not been told about up front. The price after application vs when I prequalifed rose by over 42 %! Now, I know that these payments do fluctuate based on creditworthiness, but my score is in the 800s, so there should not have been such an alarming hike in the price. This bait-and-switch if I've ever seen it.
Company Response: Untimely response

Untimely Response

2019-03-27

Leeton, UT

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: XX/XX/2019 Complaint against : AutoPay XXXX Customer Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : DISPUTE REQUEST : Unauthorized Hard Credit Inquiry On Tue, XX/XX/2019 at around XXXX XXXX XXXX, my credit was pulled by AutoPay without my permission. I did not authorize for them to submit an auto refinance application that will result to a hard inquiry on my XXXX Report. This is clearly a violation under the Fair Credit Reporting Act ( FCRA ). Proof of email documentation will be provided upon request. This is to request for an investigation on the matter and to remove such inquiry from my XXXX credit report. We appreciate you looking into this matter. AutoPay has been informed of my request and they have been advised of my right to pursue any and all available legal and equitable remedies for this case.
Company Response: Untimely response

Untimely Response

2019-03-07

Chicago, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: ac autopay account was closed XX/XX/XXXX and now its seems as ac auto pay place another account on file for XX/XX/XXXX ... I have never step back in that office since XXXX of XXXX they place a. Delinquents on my account for the same balance that was owed back in XX/XX/XXXXto XX/XX/XXXX.. they made it seem like I refinance another vehicle in XX/XX/XXXXbut didnt make payments so and now their coming after me again ... .THEY HAVE NO RIGHTS TO DO THAT ..I never applied for another vehicle or finance with them please help me understand whats going with this company AC AUTO PAY
Company Response: Untimely response

Untimely Response

2019-02-28

MO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called AC AUTO LLC to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called AC AUTO LLC to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by AC AUTO LLC. Almost two years later Ac AUTO LLC reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named XXXX XXXX XXXX showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from AC AUTO LLC and it was over the XXXX in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Acct number : XXXX Manager : XXXX XXXX XXXX XXXX XXXX XXXX Black vin- XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with AC AUTO LLC.
Company Response: Untimely response

Untimely Response

2019-02-12

Tallahassee, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Untimely response

Untimely Response

2018-12-13

Cocoa, FL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Title loan

Complaint: Was interested in refinancing my vehicle ( XX/XX/2013 CXXXX XXXX XXXX w/XXXX miles ) since my current APR was 8.24 %. Called " XXXX '' because they popped up in my XXXX feeds for loans for vehicles, so I figured with my XXXX credit score I can get a better APR. After they pulled my credit and sending me documentation to print and sign, I decided to take a minute to read the documents, my remaining balance was around 7,700.. the loan that they were trying to have me sign was for around {$10000.00}. They had roughly about {$3000.00} in hidden fees and charges that they absolutely never mentioned once about, and I almost signed for it. My complaint is I shouldn't have my credit score have a negative effect from this majorly misinformation. And, to inform others about companies like this.
Company Response: Untimely response

Untimely Response

2018-11-20

Columbus, OH

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with signing the paperwork
Complaint: I applied for an auto loan using Auto Pay as a servicer to source, organize and close a loan deal on my vehicle refinance. Throughout the time of the loan, I experienced multiple scenarios where Auto Pay personnel mismanaged the application, information collection and contracting process. At times, I was asked for immigration documents I could not provide without either a ) falsifying the information or b ) using expired documents for a financial application, which could my wife 's XXXX status in jeopardy by committing such a crime while on a 2 year XXXX XXXX status. The items requested were a valid XXXX, as well as XXXX paperwork, which would be impossible due to my wife being a XXXX XXXX XXXX to a U.S. citizen. I acknowledged that I was not comfortable with my wife using these documents to apply for our loan, because Auto Pay was not the lender, and I was not sure how Autopay was going to use these documents on our behalf to close a loan for us. In addition to this scenario, I was asked to have my cosigner 's name signed off a title that her name was not on. I was also sent our contract via online signature tool, XXXX, 8 times. The contract was sent this many times because representatives at Autopay sent the document in the wrong order, out of order, to me twice, etc and this process had to be voided out a total of 4 times over a period of 61 days. Further, we received numerous communications stating we needed to provide paperwork, then a phone call stating to ignore this communication. We also received emails stating our application had been approved and our contract was on it's way, having signed the loan agreement approximately 8 times. Most recently, we became aware that Autopay had furnished our loan application and documents to the credit union whom was supplying our loan a second time, thus running our credit again and placing a " hard pull '' on our credit reports. Per XXXX, an immediate 29- point decrease was experienced by my wife 's Transunion report and a 2- point decrease on my report. In contacting Autopay, my loan representative, XXXX stated we took too long to finish our loan application, so the company, without our permission, duplicated our initial application, sent the application to the lender as if it were a new application, thus causing the inquiries, and then, as a result of my calls, stated they were going to " back out '' of the process due to my legal action threats. We have requested in multiple scenarios that one of the hard inquiries be pulled from our credit report, and Autopay has refused to do so. To date, the loan has not been fulfilled, although approved, and our credit reports have been harmed by Autopay. We are in possession of multiple pieces of evidence to show mismanagement of the application process, and are asking for immediate help to stop further damage to our personal credit profiles.
Company Response: Untimely response

Untimely Response

2018-10-24

Chicago, IL

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: AC Auto Pay located in XXXX, CO claims that I owe a debt of {$8500.00}. I sent the initial letter of dispute on XX/XX/2018. I demanded proof that the repossession of the vehicle was in legal accordance with the following UCC : 9-506. ) EFFECT OF ERRORS OR OMISSIONS 9-611. ) NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. ) TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL & 9-613. ) CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. AC Auto Pay replied claiming that they sent a NOTICE OF INTENT TO DISPOSE as well as a NOTICE OF SALE OF COLLATERAL AND POSSIBLE DEFICIENCY. On the Notice of Intent to Dispose, the amount owed is {$8100.00}. On the Loan Billing statement, the amount owed is {$8000.00}. On my credit reports, the amount owed is {$8500.00}. As you can see, they have violated the federal law in more than one way. The repossession was not fully in legal accordance with UCC 9-506, 9-611, 9-612, and 9-613. This is a violation of FCRA & FDCPA and the entry must be removed. Furthermore, AC Autopay did not provide proof, bearing my signature on a certified mail receipt that I even received these documents that they allegedly sent via certified mail. I do not recall receiving these documents. Lastly, AC Auto Pay did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on the account within 30 days of my dispute, which they signed for on XX/XX/2018 ( I will attach a copy of the signed receipt ). I have retained a time stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period. As this company have violated federal law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item.
Company Response: Untimely response

Untimely Response

2018-10-10

Jacksonville, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Untimely response

Untimely Response

2018-09-19

Houston, TX

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Company Response: Untimely response

Untimely Response

2018-09-14

Rochester, OH

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I keep getting numerous calls a day from this same company, I answered today and the person was very rude when I was asking her what debt this was for. She said for me to be quiet and that's probably why I don't know what's going on. She said I owed a XXXX XXXX XXXX, XXXX XXXX, which I don't and never had anything to do with either of those entity 's. I told her to send me correspondence and she hung up. I call back to ask what this was for again to find out what is going on and the female was again rude and I said she was real ghetto and she says, Your mama and hung up. I received a voice mail saying something about a check and calling my employer and garnishing my wages for recovery. So, now I am receiving numerous hang up calls from that number, no one saying anything and repeatedly calling. I have had 9 phone calls just today. They said they are with XXXX XXXX XXXX. XXXX. She also said they sent me a letter and I asked when and she said stop acting XXXX. I have no clue what this is for. I have other creditors but not what she is stating. Phone number is XXXX. Sending cease communications letter today.
Company Response: Untimely response

Untimely Response

2018-08-17

Scottsdale, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Complaint: On XX/XX/XXXX I contacted Autopay about refinancing my car loan. After talking with XXXX XXXX I decided not to move forward with their company. I clearly explained that I did not want a hard pull on my credit report. He explained he could not give me an accurate quote which I was fine with. The next day I got a text from XXXX saying that my application is at the lender. I will attach the text conversation. After those messages I called Autopay and got to an supervisor named XXXX. He heard me out and said they would not be able to remove the inquiry they did and he would look into the recording to be sure I didn't confirm the inquiry. I was not satisfied of this since I know it can be disputed and removed. I left it at that and come to you about the situation to see if anything can be done for me to remove the hard inquiry.
Company Response: Untimely response

Untimely Response

2018-04-30

Warrenton, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: The car that was allegedly leased was repossessed with the original creditor and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The original creditor decided to keep the car as compensation and therefore I no longer owe the original creditor for the lease of this vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement between the original creditor and AC Auto Pay. With the original creditor giving all rights to this debt including the right to receive payment and charge interest to AC Auto Pay. If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. If the leased vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
Company Response: Untimely response

Untimely Response

2018-03-14

Ahtanum, WA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Company Response: Untimely response

Untimely Response

2018-02-22

San Gabriel, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX XXXX XXXX to AC Autopay XXXX XXXX XXXX, XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.
Company Response: Untimely response

Untimely Response

2018-02-22

San Gabriel, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX XXXX XXXX to AC Autopay XXXX XXXX XXXX., XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.
Company Response: Untimely response

Untimely Response

2017-07-30

Thompsons Station, TN

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: We have a title loan through autopay in XXXX colorodo. The balance was {$310.00}. The balance was sent to collections. On XXXX XXXX 2017 we called autopay to make the payment. ( cleared with bank XXXX XXXX 2017 ) They directed us to a collection agency with a number but refused to give us the name. We called and paid it that day. We were then told we would be receiving the title in the mail within 90 days. In the beginning of XXXX we called autopay to find out if the title had been sent out yet, we were told it was not and that we needed to Contact XXXX XXXX. XXXX XXXX said they did n't have anything from us so we needed to call cpcrecovery. We called and they said we needed to email proof and they would send it to XXXX XXXX. So we did and then we were told they would send the title and to again allow 90 days. Here it is the end of XXXX and autopay is saying we never made a payment even with our proof being emailed, then they say they 're waiting for the funds to be released so we can get our title. The story keeps changing. Every call we make to keep checking on it they keep asking when we paid it. It 's like they 're not taking notes, acts like they never heard from us and not caring. It 's been almost 6 months since we paid it off. I ca n't work because we 're down to one vehicle because we 're being refused registration for the vehicle and my insurance is dropping the vehicle. We just want our title.
Company Response: Untimely response

Untimely Response

2017-07-30

East Long Beach, CA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Untimely response

Untimely Response

2017-07-19

Hixson, TN

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Company Response: Untimely response

Untimely Response