Let me apologize in advance, this long and there is no way to tell it short!
In August of '07 I received a letter from 5/3 saying my final payment of 2959.05 was due. I sent the money and thought I was done.
In October, I recieved a letter from the Default dept. Saying I owed 0.00 (yes, 0.00). I thought that was odd, so I called the # on the letter & they said "oh, we saw that letter & tried to stop it, but couldnt. Your account is good & paid in full".
In December I got a call from Mary in the legal dept.informing me I owed them $108.00 and could I pay it. I said this was new news to me, & being that it was 2 wks before x-mas, I did not have any extra money that month, but would be getting paid on the 26th and could take care of it then. I also told her I had these letters regarding balances and didn't they count for anything? She said they had fine print on them that stated any remaining money, 5/3 could ask for. She said she would put this off until after the new year for me. (forward to after x-mas, the letters do not say that anywhere).
January: 8:30 am everyday, I get calls from 5/3. I have decided that I am not going to just send them $! I have letters that say I owe them nothing.
January 16 I spoke with Andrea in the Dispute Dept. And explained my story, she was decent, but still told me I owe them. I called back later that day and spoke with Charles who made it his job to let me know how stupid I am by telling me 'its not clicking with you, just pay the money'. This man was so unprofessional & rude. He had me in tears (of anger). I asked to speak to his manager and he refused & said he did not have to put him on (what the hell?). I had to ask over and over again, and yes, I did end up calling him a name that starts with F ends in er (as a last resort).
Charles finally put me on with Derrick Flynt, his supervisior. He basically stood up for Charles' treatment of me & told me the same things. Alot of wasted time, and I still could not believe that this company was treating me like this!
If I give them the 108.00 today, what kind of protection do I have against them calling me in 3 more months telling me I owe them more?
And here is the proof that that will happen:
Today, Jan. 18 8:30am 5/3 wake up call, I answer to tell them I am working on this and Kristy in collections tells me today I owe them over $600.00 in late fees and intrest!
I am beside myself! They also tell me I have 15 days or this will become a sign off and be terrible on my credit report.
I cannot get any kind of straight answer from this company! Today I called the phone number on the pay off letter to ask for John P. Knieriem, Senior VP. (That's the name signed on the letter) I thought what the heck. They told me I could not get in touch with him AND they are the mortagage loan dept. So they could not help me—they just send out the payoff letters, but don't have anything to do with auto payoffs!!!
I am beginning to think someone over there made a huge mistake and is trying to get me to pay. Why have I not received any letters about this? Why can't I get a straight answer from anyone? Why can't any employee tell me how I can get in touch with a upper level manager? Or the name of one?
What is wrong with this company? One word— GREED.
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