Citizens One Auto Finance Citizens Bank This bank repossessed my truck without ONE phone call Providence RI Nationwide

 So I was making online truck payments to Citizens Bank. The truck is a 2011, I purchased it in 4/2011 and I've been paying $730 a month for 5 years. I was making online payments, or so I thought. Seems I thought the payments were being deducted and they weren't. I was 2 month in arrears. NO ONE from Citizens even called me to notify me I was behind. I was asleep, a guy came to my door and started banging around 1am. I opened the door, he asked me for the keys and told me the truck was being taken because I hadn't made a payment. After calling them in the morning, I sent Citizens almost $5000 Western Union and I got the truck back in 24 hours. When I called, after getting the truck back, I asked why I hadn't received a phone call. He said "Miss, no one EVER gets their repossessed vehicle back so quickly. Obviously there was a problem with your online payments. We have hundreds of people who make calls all day, it seems no one ever called you about this issue. Not sure why not." They are THE WORST. And now this will be on my credit for SEVEN YEARS. I had to hire a credit specialist to attempt to fix it- seems it's not fixable. If your car dealer sets you up with these people RUN!