I have a loan with Superior Bank and it is an auto loan and i think it is a big scam place. I got the loan in July of 1999 and in Septemebr I transposed the payment which should of been $297.44 instead I wrote the check out for $247.99. A few weeks later I received a phone call stated that they were coming to reposses my car because of this. I spoke to a Steve Stephens and this was rectified I sent out the $49.45 payment. My account was never moved up with the date.
In January of 2000 I forgot to make a payment, so I sent in 2 payments in February, only one payment was applied to my account yet both checks were cashed. This was unknown to me that they did not credit both my payments, until March of 2000 when I received a call at work by a Mr. Bustamante in the collections dept who told me my car was on the hot list. So I made another payment to him on the phone.
Well I have been fighting with this company for 13 months I have sent in everything possible to them bank statements, western union statements from them for taken the payments out of my account, copies of front and back cancelled checks.
I have spent over $300 disputing a payment that I made and I was then informed in January of this year my account was current/
Low and behold I receive a statement in the mail and it states I am now 3 months past due. I send out letters certified mail to them and I get a letter back 12 months later asking for copies of the checks in question again. Then 2 days later I get a note saying that my dispute is closed since I did not send them legible copies. This is all that I have so what am i supposed to do.
I call them up on this 800-451-1093 and speak to a girl named Annette who told me I am 77 days past due and my car is on the verge of being taken repossesed, so i had to once again make 3 payments over the phone to them. 3 totalling over $900.
She goes well once this is rectified look at it this way you will be 2 months ahead.
13 months and this is what i get. They have not taken any late fees off nothing they keep adding more and more finance charges it is horrible.
It does not take 13 months to research an account. I have asked for a transaction h istory report i have matched it to my payments and sent a copy back to them. They have so many reversals differrent loan people that they do not know what they are doing. They took away 2 payments because they could nto read the back of the checks. That is not right
Please I want to get my account credited properly and my money returned.