How so? If you sell me LSU who lost to Troy I'm not buying it. Bama didn't beat a single ranked opponent and LOST to Auburn. Miss st and Fresno are not top 25 teams, Memphis and USF are. Bama doesn't get points for getting the $%#$ kicked out of them by the team UCF beat in their NY6 bowl.
UCF has 2 better wins than Bama had during the regular season, are conference champions, are undefeated with a better winning %, and beat Auburn who Bama and Georgia lost to. UCF beats Bama by every metric, impossible to logically crown Georgia or Bama over UCF. If they wanted to be champs don't lose to Auburn.