Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Premier Auto Credit
State: WA

Complaint narrative:
My auto loan was transferred from XXXX XXXX to Premier Auto Credit around XXXXXXXX XXXX. Since then, Premier Auto Credit has made it impossible for me to make payments while continuing to add fees. 
The problem : Previously, I paid Premier Auto Credit {$99.00} because they said they needed something upfront, and then I could schedule a payment up until XX/XX/XXXX. I agreed and have been trying to get them the money before the XXXX. 
I have been working to try to get them the money before XX/XX/XXXX. But while I was trying to pay them early, they added astronomical fees. The amount that was {$240.00} has now grown to {$490.00}. 
For the past week, I have been trying to make a payment online to keep the balance from growing. Every time I try, their system says I can not make another payment within 30 days of my last payment ( {$99.00} ). I am locked out of paying them even though I want to pay. 
My last payment was {$99.00} ( or {$94.00} ) to Premier Auto Credit sometime in XXXX. My regular monthly payment is {$220.00}. 
Today, XX/XX/year>, I called Premier Auto Credit. I told them : I have been trying to pay for a week but the system won't let me I can pay {$85.00} today to keep the fees from growing I have been trying to pay them before XX/XX/XXXX like we agreed They refused to accept my {$85.00} payment. The representative said they can not accept anything less than {$220.00} today. She claimed that {$85.00} " isn't enough because it will just keep adding more interest '' and said they were " trying to help me with my credit. '' They call me every single day, all day long. My phone identifies their calls as spam because they call so frequently. They threaten to keep calling while simultaneously refusing to accept my payments and adding more fees daily. This creates constant harassment while making it impossible for me to resolve the debt. 
This makes no sense : They won't let me pay to stop fees from growing They demand {$220.00} I don't have They claim they're " helping my credit '' while refusing my payment and adding more fees I've been trying to pay them BEFORE the deadline, and they won't let me They harass me with constant calls while blocking my ability to pay This is a trap : Their system won't let me pay ( XXXX lockout ) They won't accept partial payments to reduce the balance They keep adding fees daily while blocking/refusing my payments They call me constantly ( all day, every day ) while preventing me from resolving the debt They claim to be " helping me '' while making the debt grow Important : I live in this vehicle. This is my shelter. If they repossess it, I will be homeless. 
I am actively trying to pay them and reduce this debt. They are blocking me from paying, refusing partial payments, calling me constantly every single day, and growing my debt with fees while claiming they're helping me. 
What I want : Remove all fees added while their system blocked my payments Accept my {$85.00} payment now to stop fee growth Fix their system so I can make payments when I have money Stop refusing my payments while charging me for not paying Stop the constant daily harassment calls

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation