Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Yamaha Motor Finance Corporation USA (CA)

Payment due on XXXX Late Fee {$39.00} and NSF Fee {$39.00} assessed on XXXX due to the account that it automatically drafts from was put on hold for missing the debit card it drafts from. Got statement in on XX/XX/XXXX for XXXX and realized the payment did not clear. Called in and explained situation to the representative and asked him if he could waive the {$79.00} of fees. He got supervisor approval and said the fees would be waived and he took my payment over the phone of {$180.00}. On XX/XX/XXXX I called to confirm the payment had posted ( because it had not cleared my account ), the representative said they see it posted to the account ( said nothing about any late fees owing ). On XX/XX/XXXX the payment of {$180.00} cleared bank. XXXX at approximately XXXX I received a message that I am 8 days past due on my payment. I checked bank account and shows the XXXX payment of {$180.00} cleared on XXXX. I called and they said that they are showing my account past due for {$39.00} for a fee that was not approved to be waived in XXXX and because that fee was not paid by XXXX I was charged another late fee for not paying the late fee!! I then proceeded to tell him of my conversation on XX/XX/XXXX and he sees all the notes, however the notes state only ONE of the {$39.00} fees were waived and that the second fee was not waived. I told him this was not told to me and I was told the fees were approved to be waived. During this call I went online to my account and it shows that they applied the late fee first to my XXXX XXXX and therefore I still owe {$39.00} for my XXXX payment and another {$39.00} for the late payment fee added on to the other late payment fee. I went round and round with him and requested a supervisor several times. Finally he sent me over to a very rude supervisor who basically told me too bad, I will have a 30 day late on my credit and that I need to pay the {$79.00} late fees. I begged him to please look at the notes and my conversation from XX/XX/XXXX, he said there was nothing he could do. I asked to speak to his manager and he said here is no one else above him. I again pleaded with him to waive the latest late fee and help me with getting my 30 day late cleared since there was some kind of miscommunication on his employees side. He again said nothing they could do about the 30 day late on my account but he would waive the 2nd late fee. I realized I would get no where with this supervisor and said thank you and we hung up. 

I called back about 45 minutes later and got another guy by the name of XXXX, he was very nice and I explained to him everything AGAINhe said he didnt see the {$39.00} payment that I had made earlier but it can take XXXX 3 days to post. He also said he is going to request a copy of the phone recording from XX/XX/XXXX and have his supervisor review and make any corrections to the account based on that phone recording. If his supervisor is the same guy that states he was the overall manager I am not confident anything will be done. XXXX then told me that he only sees 21 days late in XXXX and 8 days late in XXXX XXXX which should not have been any days late, but they are counting the new late fee ) HOWEVER, in the comments section he said he sees that someone notated I was 30 days in XXXX which is impossible since we are only on the XXXX day in XXXX, he agreed with this and said he was going to escalate to his supervisor to correct for me. Based on my original conversation with the first supervisor I dont feel confident that anything will be corrected on my behalf. The have conversations recorded for a reason and in this case I dont even know if anyone will review it. I do not feel there is any consumer protection. I have worked hard for my credit standing and I just cant believe it will be ruined over a {$39.00} fee. My obligation to my contract was paid within the 30 days. I am hoping there is someone ( such as your department ) that can hold companies accountable.