Consumer complaint received 2016-03-22
Company: Consumer Financial Services
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
ISSUE # 1 I received a car loan from Consumer Financial Services ( CFS ) back in 2009, based on the terms of my contract I was to pay every XXXX of the month for my monthly car payment. later in the term of my loan I had some hardship and lost my job, as I do admit I was behind on my payments I quickly came back and made the loan current again. During and after this time XXXX began to change the due date on my payment from the XXXX to the XXXX of the month, according to the person in charge of my account it was to " help me out and to not obtain any late fees ''. As I told the rep I do not need assistance, I do not agree to these terms & I did not verbally or physically sign off agreeing to these terms with CFS, she would not do anything about it anymore. when I paid off my contract I obtained a ledger summarizing my account, the first thing I noticed was that CFS continued changing my account due date from the XXXX to the XXXX and back to the XXXX whenever they wanted. So when I made payments on the XXXX ( on time ) it was already late and incurred a late fee on the account ( without knowing ). I told the rep why was this happening and all the information I got was " the system changed it from time to time, there is nothing she can do. '' ISSUE # 2 when I got my account ledger after I paid off the vehicle I noticed that there were some mechanic fees included in the beginning of my loan, more than {$400.00}, I requested my account rep to provide me with an invoice or supporting documentation to what was done on the car that I had to pay for ( since I never serviced the vehicle when I got it and never took out a loan to service it either ) the only response I got was " the car dealership i purchased my vehicle from told them to include this amount in the account, with no invoice or nothing to show what was paid for and since the dealership went out of business there 's no way in obtaining any information ... but I do have to pay it or they wont release my title and send the repo & account to collection '' ISSUE # 3 at the end of my loan term I was completely current with all my payment, paying the normal amount every month. One day I received a phone call from the security desk at my JOB, they told me someone is here to see you, when I went down to my surprise it was a repo wanting to take my car. I explained to the guy that I was current on my loan and they sent him in mistake. After contacting my account rep she told me that CFS wanted the entire sum of my payments all at once and will not accept monthly payment anymore. I owed about {$1400.00} left on the car and they wanted it all that day. As there was no negotiation accepted I went to the company to pay the full amount all at once. Once I got there and gave them the cash, CFS told me there is still missing about $ XXXX- {$400.00}. I asked what for and to my surprise they included the repo fees on my account since they had to send the guy to get my car. as I explained that they sent him in accident, that I was not late in my payments, the rep was not willing to work out anything and told me to pay the repo fees or we will continue to send the repo until we obtain your car or the full payment amount. So i had no choice but to pay up the repo fees as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief