My account was bought from Equicredit in March with whom I had no problems with my payments even though they were not the original company I was financed with. Since Fairbanks bought my account, I have had nothing but confusion and frustration every month!
I try to send extra money each month to my principle. I have tried several different approaches to do this, trying to find a way that they will not "misapply" my money. Well, NOTHING works!
I usually have no problem contacting a customer service rep.—however, even talking with supervisors, my account stays messed up to the point that I sometimes feel like just giving in to their disorganization.
Let me quote an example: Payment in March with extra to principle—extra principle misapplied—after many calls to supervisors, this was finally fixed 45 days later. Everyone gave me a different story—ie: new employees don't know how to file a reversal, reversal sitting on someone's desk unfiled, no one in cashiering can take calls, no manager to contact, — it goes on and on. They claim they have 60 business days to research any misapplied money.
I have not had ONE month that I have been able to send a payment and have it correctly applied. I think they hold onto my money as long as they can to make interest for their company.
Katherine
Springfield, Louisiana
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