On XX/XX/XXXX I spoke to a representative from Veros Credit by the name of XXXX. XXXX said that my XXXX XXXX   were going to be repossessed if I did not make a payment on XX/XX/XXXX. XXXX  said that my account was 29 to 60 days past due and that Veros credit did not receive any car payments for my XXXX XXXX XXXX See Attachment A of car payments ; XXXX  then proceeded to say that my car payment is not XXXX, its XXXX. My car payment every month that stated on my contract is XXXX ; I added an extra XXXX dollars due to my payment being late.

Veros refused to change my date for my car payment back to the XXXX and Veros made a decision to change my due date on the XXXX without my consent. I spoke to a representative from Veros and requested that a letter to be sent to me with the change in the date. The letter was not sent to me in a timely manner and I did not receive a phone call informing me about the change of my due date. When I requested to change my due date I was told by a Veros Credit Representative that If I change my due date I will have a whole month car payment due. My car was repossessed in XX/XX/XXXX and I paid the amount of XXXX to retrieve my XXXX XXXX XXXX.

XXXX stated my car payment is XXXX  and that Veros credit bought insurance when I did not have insurance on my vehicle. Veros Credit added Forced Payment insurance and when I added insurance to my vehicle independently and had my insurance carrier XXXX send proof of insurance to Veros Credit. I told XXXX  my car was repossessed in XX/XX/XXXX and my account balance should be XXXX balance. XXXX said that Veros Credit did not add the amount of XXXX of Forced Payment insurance to my vehicle ; when car was repossessed in XX/XX/XXXX. I asked XXXX  what was the balance of the Forced Payment insurance? XXXX verbally said the amount Veros Credit took out for insurance was XXXX and my balance for my forced payment insurance is XXXX.

I asked XXXX I need an itemized receipt showing the payments I made for the Forced Payment insurance. I also mentioned to XXXX I have been asking multiple times I speak to A Veros Credit representative that I need to see proof of the amount owe for insurance added. I have not received any itemized documentation from Veros Credit. Veros Credit has refused to send documentation of insurance amount and my balance for paying forced payment insurance. I asked XXXX how many more payments do I have left and she said 31 payments. I asked her to send me proof and it was never sent.

On XX/XX/XXXX A Veros Credit employee by the name of XXXX left a message at XXXX ( Pacific Time ) ; stating it was a time sensitive matter and I needed to return the phone call by XX/XX/XXXX. On XX/XX/XXXX I returned XXXX  call at XXXX XXXX ( Pacific Time ) and she mentioned that I have a car payment of XXXX thats due immediately. See attachment A, I am current with my car payments. I asked XXXX   during the phone conversation to send me an itemized receipt showing my balance of forced payment insurance. XXXX  question me and asked if I had insurance in XX/XX/XXXX? I told her no.

I added a new insurance policy with XXXX effective XX/XX/XXXX. I have been asking Veros Credit for two years now for an itemized receipt and Veros Credit have refused to send documentation based on this force payment insurance added to my car payment. I am not comfortable and have not been satisfied with Veros Credit unethical behavior ; verbally intimidating myself and other Veros Credit customers I have researched on XXXX and read reviews about Veros Credit unethical behavior. I would like my matter to be resolved with me receiving an itemized break down on how much the insurance policy was taken out at the time I did not have insurance as well as the reflective payments on the forced payment insurance and my current balance of this forced payment insurance. Veros Credit is licensed by the City of XXXX XXXX and their license number is XXXX.