Consumer complaint received 2015-12-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarFinance Capital LLC, Irvine, CA Branch (VA)

In XXXX I switched finance companies from Car Finance Capital to XXXX XXXX XXXX XXXX because I had purchased another vehicle ( XXXX, traded in XXXX ) and financed with XXXX so I got a cheaper interest rate so I switched XXXX. I had XXXX cars at this time through them, a XXXX ( traded in for XXXX ) and a XXXX. I told Car finance I was switching and they said that everything would be taken care of when my bank contacts them. Well when i purchased my XXXX I had traded in a XXXX that I had financed with Car finance, the company had sent over a check but dduring the week that the check was being sent, car finance called me over XXXX times a day. I had no control over the check as that was between the credit union and car finance. I am XXXX XXXX military and car finance called my Chain of command harrassing me asking me where the money is. You could tell they Got it because the calls suddenly stopped. After refinancing my other vehicle ( XXXX ) with XXXX I received XXXX calls a day asking for the money, my bank stated they had sent a check to car finance. Car finance told me that they had it under control and would contact the new lean holder but I would still get calls and tell them yes the check was sent I just talked to someone at car financ and they said it was taken care of. So every other convo was different. Eventually it was n't handled so I went and Got a check myself and over nighted it. The check was dated for XXXX when the bank and car finance had spoken and Got each other 's information and pay off information and everything so they had been speaking. I had already started paying on this car again at XXXX XXXX ( mind you in 3 yrs that I had car finance I never missed a payment ). I talked to a manager who told, me that now because Car finance refuses to admit they recieved a check ( which the XXXX I sent them is dated from their original convo ) they also said I need to pay interest.. Now I am already paying else where and car finance told me they had everything under control XXXX XXXX, a manager with the company told me the bill was 37 days past due, I over nighted the second check that day but now my credit score just went down XXXX points because car finance reported my deliquent 60 days. I am not deliquent, I am paying my bills but what car finance told me was that they were supposed to talk to my bank and when they didnt they faulted me for it. Now I owe interest in it, I sent many emails stating I need a bill stating my remaining balance and it has been 3 weeks and I have yet to receive it or an email back from the manager ( i sent XXXX emails ). The company has not sent my title to my bank either. I believe that this company is a predatory lender and I have reported them to my Chain of command because I feel they were quick to go to my Chain of command when I am not at fault. The harrassment and emotional stress I have recieved from this company is way too much .. And now my credit is ruined for something that is not my fault. They have the check that states the original date, they can see it was n't me missing a payment. This needs to be fixed now!!!! My payment rate is 99.99 % on my credit report, I pay my bills!!!