This is 3 fold problem-Late Payments/ Excessive and Fraudulent Charges/ Still have not received paperwork showing the account is paid off and my lien release for my title : I am writing regarding the excessive/fraudulent fees charged by Porsche/XXXX Financial and late payments reflected on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX account. I found these late payments on my credit after I was turned down for refinancing on my home. 
I had several major events happen to me and my business in XX/XX/XXXX, after each of the occurrences I contacted my current creditors inform them of the events and inquired what options I had for relief. Each time I contacted the customer service department of XXXX XXXX, I was given incomplete or inaccurate information. I could never get any help with deferring payments, or any other type of program that could help ease some of the financial burden. The last time I had contact the customer service department was during a natural disaster issue ( this event is listed below ). I did not receive the information required to properly request relief from the reporting of the late payments due to be a victim of natural disaster. XXXX XXXX coded my account as a bad payer, instead of natural disaster victim, which caused my credit scores to decline dramatically. 
In XX/XX/XXXX, after a few months of trying to work with the credit department and customer service of XXXX, I decided it would be better to cash out a 401k account and payoff the auto loan. I received a verbal payoff from customer service and was informed the payoff would also be mailed to me, then sent a bank draft which was received on XX/XX/XXXX. In late XX/XX/XXXX my accountant stated the XXXX account had been overpaid by XXXX XXXX XXXX XXXX dollars. I contacted XXXX customer service to inquire about when I should expect a refund for the over payment. XXXX customer service claimed I was not due a refund due to late, returned check, and other fees. Shortly thereafter I received a call from XXXX XXXX, from the credit department, she stated nothing could be done about the reporting of late payments on my credit and the credit counselor I was working with is not allowed to speak on my behalf, due to the Power of Attorney ( that has been on file since XX/XX/XXXX ) not being adequate. I was not given an opportunity to ask about the fees before she hung up. 
According to my records I have been late twelve times over a four-year period, with most of late payments being in XX/XX/XXXX. XXXX charges XXXX dollars for each late fee and XXXX dollars for a returned check. XXXX X XXXX = XXXX +XXXX ( returned check ) = XXXX. Where are the other XXXX XXXX XXXX dollars of fees coming from? 
Its been over 30 days and I still have not received any paperwork showing the auto loan is paid off. I have not gotten the lien release for my vehicle or any information regarding the fees. Any help at this point would be greatly appreciated. 
Thank you XXXX XXXX P.S-. Below is a brief history of events : 1 ) CPA stealing from me- XXXX XXXX XXXX, XXXX owns and operates two XXXX XXXX at separate locations as such I hired a CPA to handle all business-related expenses shortly after opening the second location in XXXX. The CPA retired in XX/XX/XXXX and recommended the services of XXXX XXXX XXXX which I immediately retained the services of with the intention of keeping XXXX XXXX XXXX operating at a profit. Unfortunately XXXX XXXX XXXX did not remit the monthly liabilities of XXXX XXXX XXXX, XXXX in a timely manner and in some cases did not fulfill the monthly obligations at all. 

After I discovered XXXX XXXX XXXX was not fulfilling the obligations I was paying them for, I filed suit against XXXX XXXX XXXX XX/XX/XXXX and received a default judgement for XXXX XXXX XXXX XXXX dollars. XXXX XXXX XXXX has not paid any of the XXXX XXXX XXXX XXXX dollars to this day. 

XXXX XXXX XXXX was also responsible for filing and paying XXXX XXXX, XXXX 's quarterly taxes. My attorney contacted the State of Missouri about the case and entered into an agreement to dismiss the civil case against XXXX XXXX XXXX without prejudice. This agreement between myself and the State of Missouri includes the relief of my taxes owed to the state of Missouri. This agreement makes it possible for the State of Missouri to file Against XXXX XXXX XXXX for the original amount of XXXX XXXX XXXX XXXX dollars as well all fees and fines for failing to file quarterly taxes for XXXX XXXX XXXX, XXXX XXXX ) XXXX files suit against me for XXXX received from their former employees- XXXX XXXX XXXX, XXXX was contacted by several sales representatives from XXXX after XXXX had shut down operations and was longer providing warranty, service or support for customers or staff. The sales representatives were sitting on hundreds of thousands of dollars of inventory with no way to sell to the public. XXXX XXXX XXXX, XXXX agreed to purchase the inventory and began XXXX and XXXX it with our own warranty and customer support. XXXX became aware of the arrangement between their former sales representatives and filed suit against XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX is still battling this civil suit. 

3 ) XXXX XXXX was Broken into- The XXXX XXXX XXXX XXXX location on XX/XX/XXXX suffered a break in where the safe was damaged beyond repair and several hundred thousand dollars of inventory was stolen. 

XXXX XXXX XXXX had not paid the premium for XXXX XXXX XXXX, XXXX 's insurance policy. 

4 ) Business was flooded by several storms- The XXXX XXXX XXXX, XXXX XXXX XXXX   location in XX/XX/XXXX was severely damaged due to flooding from severe rain storms.  In the aftermath of the flood the State of Missouri deemed the area of this location was no longer build-able and XXXX XXXX XXXX was forced to find a new location for this store.