In 2004 I received an auto loan with Roadloans.com only to find out that it was actually Triad Financial. They are a predatory lender, however due to some credit problems had no choice but to use them. Interest rate in the high teens. 2 years later i received some money and decided to pay the vehicle in full. Bank called for payoff to Triad and issued me a check which I forwarded to Triad with instructions to send the title. I did not hear back from Triad for over 30 days but got a regular bill in the mail for $201.00. I called Triad advising I had paid the vehicle off in full and am waiting for the title. CSR advised had no knowledge of payment and yet could not explain the $201.00 charge as regular payment is more than that. I then started receiving collection calls almost daily. I explained that I had paid the car off. I kept being told no payment was received. I finally tracked the payment down and Triad had it but did not credit the money for some reason. I finally spoke to a supervisor, could not explain why check was not credit and then tried to collect additional fees telling me that the payoff information they gave the bank was incorrect. In order to get these people out of my life I agreed to pay whatever shortfall they said but reduced it by $100.00 as it was not my mistake but theirs. Triad now reported this matter to my credit report as a charge off/bad debt and collection. This has ruined my credit and no fault of mine but due to an inept incompetent company. I posted this message for others to beware of doing business with Triad/Roadloans.com. If you have other choices please do so.