I have been dealing with this bank since October. Thinking I was going to be receiveing my title to my truck I instead got a repo man. Customer service has been rude and will not answers any questions stating that they don't have the orginal contract in front of them to answer my questions and then give me another number to call, and they gives me the same answer, although they have some parts of my loan info since they quote me numbers.
When I received my history I called and finally got it put on the disputes review. I talked to a lady there and once again got the run around of not having the orginal contract in front of her so she couldn't tell me the reason why my fixed rate had become a variable rate.instead of doing her job and looking into why I was? The loan, which would of been just a matter of getting my orginal agreement, she instead sends it to collections again, and to be repossed again... Isn't customer service suppose to be service for the customers? How would you all like it if someone treated your mother that way. I would hope you have enough respect for her to care, cause you sure have none for anybody else.
Well I have my orginal loan agreement it states that on Dec 19 I financed 35386.52 at an apr of 6% fixed rate with finance charge of 6741.28, for total of 42127.80e, monthly payments of 638.30, for number of payments 6 (e). I am assuming this is six years. And through all my conversations with cutomer service I have argued that my loan was to be paid off in 66mos and they have told me no it was 72 mos. Yes that is correct but what happens with the extra 70.04 i make a month. Which would make the loan paid off in march.
And according to my loan history they sent it has the term at 72 months with a interest of 4.9% and now the interest is 11.9% Reason being that they state my account has been late since 12/06, after I called in Jan 07 twice to make sure my acount was up to date and paid 811.73 to do this. It clearly shows that i would pay the extra amt of money if I was a month late for the late fees t/o my loan history. Which i really don't believe was necessary since i was alreeady paying extra.
So to date I have paid 43536.86 and fifth third wants 3506.43 to pay off this loan. Can they possibly expect this when it seems to me that they are just changing the loan #'s as they go. If they can't explain things to me by simply getting out the original loan agreement, then I simply can not bring myself to give them one more dime of my hard earned money.
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