Ac auto pay is a company that bought out an old car loan company named leap auto. This was done with no reference to alerting customers this was being done even though ac auto pay states that leap sent out a letter and also ac auto pay sent out a notice. This is a bold face lie. I received one notice. “welcome to ac auto pay we own your loan you previously had with leap auto”. “more payment info will be following this letter in 7 to 10 days”. I called for three weeks straight, I gave 3 different numbers to reach me by when I had to leave a message”. They never returned a call. They shut off my car stating my payment is over due which its not. And then when I said ok I will pay you my regular payment but it will be early. I get told no you owe late fees, there is also our acquistion fees and also monthly title fees from the state where you reside. I never got an answer as to why on the title fees and license fees when I already had up to date plates they couldn”t give me an answer. I said ok what is the total you feel I owe. They quoted me 3x the amount of my original monthly payment. I am on a fixed income. I said how am I supposed to pay it.. I was told”well you shouldn”t have spent your money. What do you do with all your money? Don”t you realize you have a payment due (which it wasn”t even due). They turned the car off and refused to even remotely try to work with me. No supervisor ever available. This company is charging me 500.00 because they acquired my account from an out of business leap auto and I have no vehicle I said ok well it will have to wait two weeks till I get paid. They said no. You have 5 days or we will repossess. I said take it. So now the vehicle is waiting for them. I refuse to pay them for taking over my account when I was never notified only once by mail and then never a word from them. This company is a scam just like leap auto. They have been reported to the bbb and the attorney general in the state where I live and also in colorado where they are located.