Within the last two weeks Regional Acceptance Corporation ( RAC ), XXXX, XXXX has been contacted by all XXXX credit bureaus re. a written complaint I filed. I opened an account XXXX for {$14000.00}. I struggled XXXX to make payments. XXXX I was XXXX for my mom and not working, they knew this. I was on a first name basis with their finance department. They were in XXXX ; I still have their emails. XXXX I totaled my Toyota. XXXX my mom XXXX. XXXX RAC, after receiving {$5200.00} from XXXX, reported me as a 'Charge-off '! Today they state I still owe {$2100.00}. ( STILL adding interest to a supposed XXXX bal. of {$1900.00}. ). It was not until I went for an apt XXXX rental that a Realtor alerted me about the CO. She was especially concerned that RAC XXXX NOT given me ample time to pay-off the balance before reporting a CO. I was in the final year of a XXXX yr. loan ( extended approximately XXXX. out ). RAC cost me that XXXX XXXX rental ; I am now trying to obtain another rental. I need my report corrected a.s.a.p. please! Within the past several days I 've heard back from all except XXXX. RAC is sticking to their deceitful practices of messing up people 's credit and STEALING money! Incidentally, I did send a copy of the XXXX {$5200.00} ck. to the bureaus, thinking XXXX XXXX it was cashed by them XXXX ( receipt in XXXX does n't appear anywhere on my report ). Today XXXX/XXXX/XXXX I received SHOCKING info. from XXXX. Sent because I requested 'any ' additional info. be furnished to me ; necessary after realizing XXXX was n't budging! I have PROOF from XXXX that indeed they sent RAC a {$5200.00} ck. as a 'payoff ' for release of Title. I have the payoff acknowledgement letter and I have my Toyota Title ( XXXX furnished it today )! Regional Acceptance Corporation is AWFUL! Do the math please. I want to know how in 6 years 'they do not owe me money '? They received a total of {$24000.00} ( or very close to it ) on an orig. {$14000.00} loan. I would like them to explain how the interest/late fees were accrued. First they MUST CLEAR my credit reports ( all XXXX ) - again they are costing me from securing a rental for which I need. I wish to involve the government because I 'm fed up with this company and I feel they are shady. During one of the worst moments in my life I was harassed by them ; I am still caught in their poor business practices. Finally, as they did receive a 'payoff ' in the amount of {$5200.00} XXXX ; but they still believe ( incorrectly ) I owe {$1900.00} ( before interest ) - is n't it RAC who owes me? If {$1900.00} was the balance XXXX I assume it was the balance XXXX when XXXX contacted them for a payoff amount. I believe they took MORE than they were entitled to. XXXX was covering me ; but first needed to receive my XXXX from XXXX. I had comprehensive and full collision - they were giving their customer her check which would have been the Blue Book Value ( or whatever source they use ). I think RAC was told by XXXX what the car 's value was ; and I truly believe RAC claimed {$3300.00} above what they were actually due. I 'm guessing they were due {$1900.00}, as my report states I owe. Perhaps North Carolina does n't know what XXXX is doing. Or, maybe 'somebody ' pocketed the {$5200.00} check - why else is it not acknowledged on my credit reports or even after I sent a copy to the bureaus this month? Please help me get this straightened out. Thank you!