CRB Auto Finance Mechanics Bank of Las Vegas, Nevada Overcharges Las Vegas, Phoenix, Arizona Nevada

This is a complaint about an auto finance loan.  Payment never processed after being submitted on-line then they added late fee (so reported late payment to FICO agencies) plus a $25 returned item charge, and payment was never presented to my bank.  Have attempted to resolve by phone, and email to CRB Auto and now by fax to parent Mechanics Bank, which supposedly is a branch in Las Vegas but has no street address, only a post office box.  Am beginning to think it is an on-line only bank, and it was not disclosed as such.  The people at CRB are dumber than rocks.