Product: Debt collection

I contacted the CFPB on XX/XX/XXXX regarding an account i have with American First Finance.  Once my complaint was forwarded to American First Finance. I received a phone call from a representivie by the name of XXXX on XX/XX/XXXX who told me about the Fresh Start program that the company offered I agreed to this program on XX/XX/XXXX because I understood and I asked the rep several times would this removed the late payments and the answer was yes, XX/XX/XXXX The comapny had informed the CFPB that i was offered the Fresh Start Program AND THAT I WAS PERFORMING WELL. that statement was misleasing on how the program was going considering we we were only 3 days into the program once it got started. After the start of the program I contacted American First finance to give me something in writing to send to XXXX. I was told several times that they would. eventually I received a email XX/XX/XXXX from American First to send to XXXX it only stated that i was in a Frseh Start Program and showed a balance of {$680.00} Next due date of XX/XX/XXXX and a Maturity date of XX/XX/XXXX. Then eventually I was told that the late payments would not be removed. Removal of the late payments was why i agreed to the program. I asked American First Finance to send me something in writing explaining what the Fresh Start Program is and what it was suppose to accomplish and I waas informed that they would not do that. In moving forward i called several times to see what we could do to fix this account because it had severly damaged my credit. I eventually communicated with two suoervisors the first was XXXX XXXX on XX/XX/XXXX and i explained that i felt i was misled led about this program and i wanted the company to cease to take money out of my account and he agreed to do so. I called American First back XX/XX/XXXX resason money was still being taken out of my account I talked to XXXX again He told me the money would be refunded and he would make no more drafts would be taken out of my account. The following week it did. I eventually talked to another supervisor XXXX XXXX and he eventually returned most of the money that was taken out of my account. XXXX XXXX was very helpful he did listen to what I had to say and he went over my account with me even though i explained to XXXX XXXX that the reason I agreed to the Fresh Start Program was the removal of the late payments and if there was anything we could do to fix this account. I was informed that the late payments would not be removed we came to no agreement with the account. 

I called American First Finance XX/XX/XXXX I spoke to a representitive by the name of XXXX. I was asked would I like to restart the Fresh Start Program I said no for 3 reasons. 1. I couldnt get it in writing. 2. It wouldnt help the status of my acccount. 3. All the information about this account that they are reporting to XXXX is not correct. I asked to see what we could do with some type of settlement to keep the account from charging off. I was quoted a pyment of {$720.00} and it would be due by XX/XX/XXXX. I offered {$650.00} was told no I said ok I would call XXXX the super visor the  following Monday which was XX/XX/XXXX. I talked with XXXX he told me he saw the notes and i asked if they would take the {$650.00} or atleast take the {$680.00} which was the amount of the Fresh Start Program i was told no i said ok even though I dont agree with this I would pay the {$720.00} If the comapany can send me something in writing. I was told that it would be sent out that day. Today is XX/XX/XXXX not only have I not recieve anything in writing I called the company XX/XX/XXXX to inform them that i had not received the letter stating the terms of the payoff. The representitive told me that she did not see any notes in the system about the payoff and she offered me a settlement of a different amount. I told her no because I already made an agreement. This company have communication issues from within which effects consumers such as myself in a negative way.