Consumer complaint received 2018-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Strategic Automotive Servicing, LLC (FL)

I have had issues with this company since they brought my loan from the original lender. My vehicle was repo on or around XX/XX/XXXX. At that time I was 3 months behind a total of {$870.00} plus late fees of {$44.00} which was a grand total of {$920.00}. They advised to get the vehicle back I had to pay {$1200.00}, which includes their fees. I paid the {$1200.00} on XX/XX/XXXX via XXXX. I called back to obtain the information to go pick up my vehicle they then told me that I had to pay an additional XXXX for payments because it was close to my due date. I paid that as well. I called back to find the location of my vehicle to pick then they provide me with a recovery number. I called the recovery company and had to pay them {$470.00} just to be told I had to pay the lot where the vehicle was stored an additional XXXX cash. I paid that as well. Paying all those fees and the additional XXXX should have brought my acct to current Due for XXXX since I paid the XXXX which would have covered XXXX. Well that wasn't the case. 7 days later I received a call advised payment for XXXX was due. At that time I asked what the other {$250.00} I paid covered and as of this day I have not received a response. Well, here it is I made my XXXX payment on XX/XX/XXXX, which was due on XX/XX/XXXX, after I made the payment the next day I received a call saying the payment was {$140.00} short. I asked why and they only could tell me that's what I owed. I pulled up the online payment history and I was charged a REPO RECOVERY FEE.. applied on XX/XX/XXXX, which I made the XXXX payment on XX/XX/XXXX, and was never told I had any additional fees. I immediately called and spoke with XXXX who advised me that they are able to charge me a repo fee if the payments are not made on time. I asked how are you charging me a repo fee of {$120.00} and the payment was not in default but only late. She advised me per my contract they can charge me any fees if the payment is not paid on the due date. I asked them to send me a copy of the contract they had because I do not have this in my contract. She forward me a copy of the contract and called back stating did I read the default portion. I advised yes I did and they doesn't say default is 1 day after the due date. Why would you have late fees if you are able to charge additional recovery fees just one day after the due date. I advised I have not received such fees before as I rarely pay on the due date, that I ONLY have late fees assessed. I advised her that I didn't agree and the loan was not in default. I advised I have made my contractual payment of {$290.00} plus the late fee amount 12 days after the due date not 30. I also advised for her to send me this explanation in writing. I have not received the explanation as of yet. I also advised her that Per the FDCPA, Default occurs 30 days after the due date has past. She continually stated that's its a valid fee, gave no explanation of the additional recovery fees back in XXXX and why payment was not due for XXXX after paying the additional XXXX. I have also not received a breakdown of where the funds were applied to. I have only been directed to the online payment center which only shows payment posted that I have made as monthly payments but not where the fees were applied to. I have also sent an email to her and her manager and have not received a response ; However they have called me at least 2x a day to advised I need to pay the XXXX or they have threaten repo. I have advised by law I have paid my monthly payment and they can not repo my vehicle for not paying erroneous fees. Please help me as this company is once again trying to take advantage of their consumers.I feel as thou I have allowed the water to run under the bridge concerning all the fees I had to pay over {$2100.00} for being {$920.00} behind without any accounting explanation. I feel if I continue to allow this every month they are going to be some type of erroneous billing.