Jessica P.

I hate that I have to choose one star for this scam of a place.-
The one star I'm required to choose is going out to the ONLY 1 customer service rep I spoke to (only 1!) it was brief but she was at least kind, Every other customer service person is absolutely horrible and gives out wrong information completely and are so rude. She really was a gem in that company!
This company is a scam And they steal money and should be shut down!
I had an actual accountant look at each payment and itemized payment ( after I requested endlessly for three months to send the itemized payments of late fees and daily interest and all extra fees on top of my actual car payment) It finally came down to them having to read each and every single itemize amount of money that was due over the phone and I made them do it twice before they finally found somebody that could send me an itemized Account summary showing every single detailed amount paid and amount charged on the loan. And guess what it did not add up. A few people try to call back and explaining that I feel like they were covering their tracks eventually I got tired and it was exhausting I had to have somebody else cosign and help me get a new car so I could trade in and get away from these people. After two years of this high APR and trying to increase my credit I fell behind in 2020 but was still making my payments and did have late payments prior to that- however Only a total of three of those payments were late and they were only laid by a max of three days. And as we all know the harassment calls start at day one. And they jump on reporting to your credit if you're late very quickly. Too bad they don't know how to report when you're on time or it's paid off. In the beginning way before Covid I paid on time for the proposed time of 6 months To be able to refinance as I was told I would be able too- Nope! I had it all paid up every late fee every daily interest added and yet they still harassed and called everybody they knew in my family including people I haven't spoken to ever in my life they just looked up my last name and called down the buck. I had somebody show up to a house I was working on to give me papers even and it was not the correct time or a reasonable amount of time to threaten repo. Especially when I had made payments and they refused to acknowledge I was paying on time I would make a payment with one customer service rep the night before and still have multiple phone calls the next day. Additionally I have since traded in the vehicle and that they still have me reported late and it doesn't show as paid off it's derogatory. They are absolutely scam artist and I hope this place is brought down and everybody is compensated. I entered into this loan knowingly that it was a high APR and they wouldn't my refinance even when I made payments on time and before you know it you're upside down with all their fees on top of their high interest not only did they financially set Me back Tay really did a number on my credit with their incorrect reporting. Which is still incorrect and they won't fix. They're harassing phone calls were extremely embarrassing as well I can't even fathom how they would call if someone is a few days late and I mean even just two days sometimes one day late. This company literally sent me back so badly and Go to my thing credit profile really screwed over my credit.