Product: Consumer Loan

I purchased a vehicle from XXXX Kia in AZ in XXXX XXXX. They advised us that we qualified for their " Holidays on Us '' program. We signed the " Holidays on Us '' contract showing our first payment would be due on XXXX XXXX, XXXX. XXXX XXXX, I got a notification that our XXXX payment was due. I called XXXX XXXX at the dealership who advised that I call Kia Motors Finance because once they finish on their end they send everything to KMF. Finance then told me to call the dealership as well as they would work on it and get management involved. After calling several more times, on XXXX XXXX, XXXX, Kia Finance told me they did n't have anything on record regarding this program. I faxed in the contract I had and called the following day and verified receipt. I was advised that it was now in payment processing to be paid and would show in XXXX hours and to keep checking online. Checking online is all I 've done for the last two months! After multiple calls to finance and receiving the same status through XX/XX/XXXX, I started receiving collection calls at home and at work ( I just returned to work from a medical leave and having XXXX! ) Multiple collectors told me as well that this is something the dealership had to pay it but they would get management involved. XX/XX/XXXX I called XXXX at the dealership again and she stated that it is with, the sales rep. who handles these issues to take care of as I was not the only person this happened too. After days passing and calling XXXX multiple times throughout the month of XXXX the status never changed. We were waiting on XXXX. I then obtain XXXX 's information, all still while being harassed by collectors ALL DAY, EVERYDAY. Now into XXXX, I emailed XXXX on XXXX XXXX, XXXX with the detail and received a phone call same day. He stated that he just made sure the XXXX payment was taken care of, it has just been paid and that it would post in 48-72 hours. I inquired about my credit being taken care of and he said that they would make sure it did n't. 120 hours later ... the payment was n't even showing as pended and I 'm not only still receiving calls from collectors, but I received credit monitoring notifications advising of a 30 day delinquency now reporting on credit with Kia Motors XXXX. I emailed XXXX again multiple times advising of the status and carbon copied the dealership manager, XXXX XXXX, XXXX XXXX and our salesman XXXX XXXX. It has now been TWO months of me trying to get this resolved and now no responses via email. How much time do I let pass? I should not have depended on them as I did n't expect and realizing all this time would pass while getting the run around. I trusted every person I talked too. I should have just made the payment but feared they would n't then pay XXXX as is it is not part of the contract. If I make a payment it will go towards XXXX and XXXX is now close to being 30 days late. I paid a large deductible for a XXXX and was okay being out of work for a few months because I knew I would not have a car payment until XXXX. I was recovering for XXXX and focused on fixing this issue. This is not customer service but even more importantly the contract is not being upheld. Now my credit is affected!!!! This needs to be fixed! I left called and left a message for XXXX and XXXX due to my last XXXX emails not being responded to by any of the recipients listed above including XXXX, so I called the dealership manager, XXXX XXXX. He told the receptionist to have me email him. Really? This is unbelievable! I 'm starting to wonder if an attorney is the best route.