Consumer complaint received 2020-01-25
Company: Home Credit Corp. Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I found a finance company ( XXXX XXXX out of XXXX NC ) to help me purchase a new motorcycle. I have made my payments on time every month. Even paid more to pay it off quicker. I received a call around the second week of XX/XX/XXXX. About making a payment on my account. As usual I said ok and gave them my card information. The amount was {$350.00}. I usually pay an even {$200.00}. I didnt over think it I just thought I had just paid the motorcycle off and they would send my title and receipt in the mail. The following month around the 2nd week. I received another call saying I didnt make my payment for XXXX. I told them I would be in Friday ( XX/XX/XXXX ) to bring them my bank statements showing I paid the company {$350.00} and I thought it was paid off. So I came in on XX/XX/XXXX and showed them my bank statements, and showed them that said amount was paid and received by them on XX/XX/XXXX. XXXX which is the person I was dealing with kept insisting that the payment did not go to them or anyone with a similar name. I then showed her the statement and said it clearly shows on XX/XX/XXXX that {$350.00} was paid to Home Credit. She clearly wasnt trying to hear that so she said call your bank or go to the branch down the street to dispute the charge. So seeing that I didnt want to mess up my credit. Im trying to repair I make a similar payment of {$320.00} to pay it off again. At this point I was not leaving until I talked to my bank. I went outside and called my fraud claims department. And to sum it up he pulled up the statements as well and said you paid them the amount above on XX/XX/XXXX. And you also just made a payment today for {$320.00}. So I went back on and let him speak with XXXX. They talked, she gave me back the phone and he said he would handle it. And gave me the number to the FTC which I saved. I didnt fill a complaint right away because I was getting my money back and my motorcycle was paid off. I shouldnt have held my breath. They called me Tuesday around XXXX and left a voicemail. So I saw it and quickly called them back. I spoke with XXXX once again. She tells me my bank canceled the last payment to them. I told her Im not sure what to say you told me to call and dispute it and that what I did and that the conclusion the bank came up with. Then it gets ugly quick she tells me the head manager said if I dont come in and make a payment {$350.00} ( thats not even the last payment ) that she would have to go back in the system and put that I didnt make a payment for XXXX and it would mess my credit up. I then realized I had no choice but to pay it so I told her I would be in Friday XX/XX/XXXX. Then the calls end. She then calls me back and says can you bring in a money order cause I know you dont want to pay cash. That way you will have a receipt for the payment. Cause they didnt want a payment from my bank. I know I have been terrible with my past credit but I am on a roll and have not missed a payment and I remembered the bank giving me this number so thats where Im at now. And I have statements and case numbers to back my claim. I can even get phone records if I must. Please help I didnt go in Friday cause it didnt seem right with all my receipts and I dont know how long it will be before they try to go back and tear my credit up. Thanks and sorry for the long explanation.

Company response to consumer: Closed with explanation