Report day delinquency on my credit report for a fee after receiving on time payments for years
In February I made partial payment on my car note due to being out of work on short term disability I contacted Exeter to let them know and they said ok just be sure you make up paymentI use third party company to pay my bill who automatically debit my checking account every weeks for $For a total car payment of $a monthI contacted exter and smart payment plan simultaneously to resolve remaining balance in MayThe payment was settled in JuneOver the next months I check my credit and everything is goodMy credit score finally moves in a positive directionI contacted Exeter in November and they tell me I am days late on a paymentHow is this possible if my account is debited every month for $The lady on the phone starts talking about the partial payment that was received back in February and then the remaining payment made in JuneWhy am I still d
not reported since
Exeter account opened has day late and has not been reported since FCRA states an account has to be verified accurate and current and even after we mailed letters to Exeter asking for account original agreement signed and complete transaction history including every single payment, fee and date of phone calls they refuse to provide itALSO the credit has not been currently updated and is violation of FCRA and being reported illegally and in noncompliance to the credit reporting lawsDemand it be deleted at once
I was told I was receiving a refundStill waiting for my refund
I was told I would be refunded for my car payments that were submitted from a third party companyThe payments Exeter received were not posted in my account profileI could not get a solid answer from anybody about what was going on with my refundTalked to a supervisor and he wasn't helpful either, he just connected my call to the accountant and didn't explain my issue to herI was originally told it would take 7-business days to be refunded to my accountThen on another day I was told it would take days to receive my refund by mail, but it should be here any day because my days was almost upI explained the importance that I refinanced my car and needed that refund ASAPMy car payment is NOW already lateNow I'm told it will be in my mail by October 28thMy car payment was due 10/18/and they were more than aware of thatThey were not concerned nor did they actually careNobody will answer my e
Amount disputed was the amount sent to me by my insurance for my car repairthey were very rude and unprofessional
I was involved in a car accident on 01/25/since then the vehicle which is financed by Exeter has been in the repair shop getting fixedFrom the moment I crashed the car I called Exeter and explained my situation and how they would have to endorse the check that would be provided to me by my insurance in order to pay the repair and get my car backThey explained to me their process and how they needed the insurance estimate the body shop work order with letter head, a W-from the body shop and photos of the repaired vehicleafter that called them several times to confirm that I had everything they requiredthe days passed and for the last two weeks I have been in constant contact with them letting them know that the car would be ready on 03/03/by this point I had already sent them everything they asked for except the photos of the finished car since that
Attempting to pay off my car
Tonight I called my loan office Exeter finance Corp out of Irving TX to try to pay off my loanI asked to speak with someone in regards to paying it off and a possible settlementAfter being transferred multiple times I spoke with *** ID # XXXXXX she informed me the Exeter does not offer anything of that natureI asked to speak with her supervisor, she stated there was no one higher up then her tonightI asked to send a message in regards to my concern about paying off my car and she refusedStating there was nothing they could do to help me and that because I signed a contract they would not negotiateI have made payments on a Suzuki Kizashi totatling over 9,on payments for a loan originated amount was for 13,Current pay off being 10,due to a 18.9% interest rateI only have 9,that I can pay the car off withNo one is willing to discuss this with me at allI just want someone to work with me and this company refuses
My payments are due on the 12th of every month I had an extension done for the month of April of I need another extensive for May due to flood
I had an extension done in the month of April for my monthly payment which is due every month on the 12thOn April the 18th Houston,TX had gotten some very heavy rain that caused some major flooding in our areaI am a victim of the flood we had received on April I lost everything in my home everything is goneI contacted Exeter explained to them what happened to see if I can be giving abother extension for the month of MayI have called over times requested about this and everytime I call I'm being told no one has up dated any info for about my request yetNo supervisor would answer my call/take my call
Customer Service is misleading when it comes to payment extensions
I called into the Exeter finance customer service line to inform them I was having difficulty in making my monthly payment due to reduction in hours at my jobI did what they called a payment extension plan which puts what I owed for that month on the back end of my loanthe gentleman who assisted me couldn't hardly speak English and was very difficult to understandthe date was around October 5th, when I made the call and he told me that my next due date would be November 24thon October 24th I received a call saying that my payment was past due for OctoberI told the representative that I just made a payment extension and she told me that the extension took care of Septembers payment and not OctoberI told her that the person who did my extension did not mention that this said extension would ake care of Septembers payment but just in formed me that the next payment due was NovemberShe told me I was wro
Exeter Finance Repossessed my car over years ago and I reclaimed it within days The car has since been in Exeter Finance's
I have been sending in Power of attorney's for the past years trying to get Exeter Finance to take the car out of their name and put it back in mine since I am the owner of the carThe requests fall on deaf ears and they refuse to change the title to my name so that I *** trade the car in I feel as though they want me to continue to pay their inflated interest rate
my car was picked up due to non payment.I could not make the payment because I couldnt get an account number from them...no response
Purchased my car kia forte in april 2018,first payment was due may 2018..In the amount of $per month..I could never get an account number to pay my bill..Id call and it would always say they were not in the office no matter time or date..even tried to email them...they wont discuss anything through email
I asked bank to reject payment because I purchased car on 8/24/at pm and returned it 1pm 8/25/because engine light came on and today I still d
Spoke to Supervisor Josh and Josh was not willing to helpAll can be done is have card repoedCan't repo car you dont haveI know bank can get their money back and they refusing to help meFirst of all this bank has terrible reviews and now I know whyI was not even suppose to have this bank as a lender I am suppose to have Capital oneThis Bank and Coggin of Orange Park is FRAUD
Finance feesUndisclosed to me
My car was financed at 15,The car price was listed as 13,on 4-11-My car was in a wreck and was considered to be a total lossWhen I contacted Exeter I was told I was paying a a day charge on top of the interest I would have already been paying of 24% yearly (which was never disclosed to me) I have paid 3,in car notes on top of 2,430( dollar a day fee) since 4-My car was totaled, the insurance company paid 10,and they still want 3,I was told the dollar a day fee would stop but the interest on the remaining balance would notI feel I have paid them more than enough and they are a rip offSomething should really be done about this so called finance companyTheir interest rates are ridiculous and if you do not pay attention you will be totally messed upAt this rate I would have paid them 30,for a 13,dollar car if I had not been in this wreckThey do not disclose all of their information when y
EXETER FINANCE ARE PREDATORY LENDERSI WIL BE FILING A CLASS ACTION LAWSUIT
These people are total scammers and dishonest and very unorganizedOr maybe staff lacks education I've been financed through them since November I am in the process of rebuilding my credit In fact the first few months it boosted my score points! My payments are withdrawn by Smart Plan and sent usually business days BEFORE it's due
Starting November they started calling everyday demanding payment - and the lady who could barely speak English had the audacity to be rude and cluelessI advised "No I paid you already." I gave them proof of payment and the check numberEven a copy of the check THEY stamped and signedI even did a conference call with them and Smart PlanWe asked to speak to a manager who was ALSO CLUELESS and not helpful Apparently, they found the check because they stopped callingNow a GOOD business would have called and apologized for THEIR oversightBut nothing no follow up anything
Fast forward, December 1st, 2017they start calling AGAIN! Ummm no I'm not late and I'm NOT paying you AGAIN because I ALREADY did
So Now, my credit score has gone down points because if EXETER FINANCES bad business practices and FRAUDULENT credit reporting
I could have refinanced with my own bank after a year but the FRAUDULENT reporting set me backI had no problems for monthsIt's like they are trying to hinder me from refinancing elsewhere at a better interest rate
My next plan of action will be a CLASS ACTION LAWSUIT and possibly some other type of fraud prevention action
MY PAYMENTS HAVE ALWAYS BEEN ON TIME WITH THEM AND I CAN AND WILL PROVIDE DOCUMENTED PROOF AND SMART PLAN ADVISED THEY WOULD PROVIDE ME WITH AN ADDITIONAL AFFIDAVIT TO BACK UP -THE BACK UP
I can't understand why Exeter finance takes money every month out of my Bank of America account and still have my being late car payments
every month on the 24th Exeter finance takes my car payment out of my checking account They show have me payments behind and has sent bad reporting to the credit companies Bank of America has told me they are ready to help me with all of the drafts that Exeter has pulled from my accountWhat are they doing there....They take my money and still have me behind on car payments I want something done about this right now please I have contacted a lawyer and I intend to sue them, Maybe they can get it stright after that, inthe mean is there anything I can do about this mess
*** ***
*** n *** ***
fresno ca XXXXX
They will not tell me where my payments have goneThey have repo my car by accident twice after I paid $2,to themThis company is a thief
They have repo my car twice by accidentI have paid $2,to themI have made multiple paymentsI get an answer every time I callI have given up on the inconsistency on thisMy truck is work $6,and when I purchased the vehicle It was for $15,and Exeter is stating that the payoff is $15,Where is my money going? I am tired of paying $2,500, $1,900, $and extto this company an the money tends to go nowhereThe dealership I got it from stated it should be almost paid off by nowThis company is a joke and no one will ever be done paying this company offThey are a thief and I am afraid to give my money to themMy credit reports continues to show that I have never been on time when I have paid thousands of dollars on this truck
Unauthorized payment was taken from our bank
This company took an unauthorized payment from our bank when we never gave them authorizationWhen we called to find out who they were and why they took the money , they were very rude and did not want to tell us any information as to why they took our moneyComes to find out we helped our daughter two months ago make a car payment and told them this is a ONE TIME authorization and to NOT use our card again and to take our card information out their computer system and out of my daughters account file This company decided that they can run our card again without our authorization and on top of taking our money my daughter made a car payment as well from her accountThey received two payments for one month! This company needs to be fined and or taken out of businessI have read all the complaints about this company and can't believe they are still in businessI told my daughter to find a new car finance company This is FRAUD!! YOU
This is the worst financial institution I have ever dealt with They do not calculate payments or interest correctly They charge a lot of fees with no exp,a nation for them When asked they say they have no answer My payments are credited and then within three days reversed When I asked why they were reversed they said maybe the funds did not clear These are payments from Money Gram, Western Union, and direct debits They are paid as cash They reverse my payments and then send repossession notices They have taken the car twice now I have reclaimed the car both times Both times the very next day they are telling me I am already five months that behind I asked them how is that so if I just paid all this money to be caught up and get the car back Still no answer from them They use illegal collection practices I have called from friends and families land lines when I could not use my cell phone only to have them start calling the person who let me use their phone to collect on my account They have gone to my children'should homessage in the night with flashlights looking in their buildings I advised them I do not live at those houses and they need to stop harassing my children I would strongly advise against anyone using this company
Unfair Reprocessing Process
-This is my 2nd complaint about Exter FinanceI am really sorry that I selected them to provide my car loanOn 9/26/they repossessed my car around 5:am with no warning i.eletter or callPrior to that I called 9/9/to make a paymentI knew I was behindI advised the representative that I was going to pay one month of $but she insisted I pay moreWe agreed to $but the representative for some reason decided that she wanted to bring up in 2015,a time I was lateThat had nothing to do with our current situation so we did have a small disagreement which she in return hung up on meSpeaking with Exter on 9/26/they have "no record of this phone call" I later went home to try to pay online but they have me blocked from paying onlineThe representative on 9/26/stated they have called me multiple times at the number is "verified with her" that she said was 614-499-(my old number) but I verified with her my new number XXX-XXX-XXXX
The company not very willing to work to resolve customer issues when seeking help
Ive been out of work for medical reasons and fell behind in my paymentsI have asked if there was any way that my payments that I was behind be extended over my loan payment and I pay extra on each one of payments until I get caught upThe CSR was nothe willing to work that out for meIt's very obvious that I want to keep my car as I have since coming back off medical have made a payment july, august, and two in SeptemberYet they are still refusing to try to work out a payment plan for meAll I get is that I have catch up three payments in order for them to defer a paymentThe problem is I can pay three payments at one time but I am making an effort to make a payment each month after coming off medical leave yet this company still is trying to push forward with repossessionThey are not open to options and they set you up for failure just to take your vehicleI ask could I pay instead of
Paid off loan and they cashed check next day I have to wait 30-days to receive overage repayment
I recently refinanced my auto loan with another company Payoff check was sent to Exeter and cashed on 10/26/ I called today and the CS rep informed they received the check and that the loan for my acct# was overpaid by my new lender for the amount of $ She said it takes 30-days for a refund to be issued I asked why it would take so long and she says it is their policy to wait to send the refund This business was really quick to cash the payoff check but to hold onto the refund that is owed seems scandalous I asked if refund could be expedited and she said sorry no This is their policy If you are quick to cash the payoff check then you should be quick to return the overage that was paid to your company Why are you holding onto money that is not yours? I want my refund check ASAP, report to credit agency that my account has been paid in good standi
Report day delinquency on my credit report for a fee after receiving on time payments for years
In February I made partial payment on my car note due to being out of work on short term disability I contacted Exeter to let them know and they said ok just be sure you make up paymentI use third party company to pay my bill who automatically debit my checking account every weeks for $For a total car payment of $a monthI contacted exter and smart payment plan simultaneously to resolve remaining balance in MayThe payment was settled in JuneOver the next months I check my credit and everything is goodMy credit score finally moves in a positive directionI contacted Exeter in November and they tell me I am days late on a paymentHow is this possible if my account is debited every month for $The lady on the phone starts talking about the partial payment that was received back in February and then the remaining payment made in JuneWhy am I still d
not reported since
Exeter account opened has day late and has not been reported since FCRA states an account has to be verified accurate and current and even after we mailed letters to Exeter asking for account original agreement signed and complete transaction history including every single payment, fee and date of phone calls they refuse to provide itALSO the credit has not been currently updated and is violation of FCRA and being reported illegally and in noncompliance to the credit reporting lawsDemand it be deleted at once
I was told I was receiving a refundStill waiting for my refund
I was told I would be refunded for my car payments that were submitted from a third party companyThe payments Exeter received were not posted in my account profileI could not get a solid answer from anybody about what was going on with my refundTalked to a supervisor and he wasn't helpful either, he just connected my call to the accountant and didn't explain my issue to herI was originally told it would take 7-business days to be refunded to my accountThen on another day I was told it would take days to receive my refund by mail, but it should be here any day because my days was almost upI explained the importance that I refinanced my car and needed that refund ASAPMy car payment is NOW already lateNow I'm told it will be in my mail by October 28thMy car payment was due 10/18/and they were more than aware of thatThey were not concerned nor did they actually careNobody will answer my e
Never did business with this company
Don't know this company
Amount disputed was the amount sent to me by my insurance for my car repairthey were very rude and unprofessional
I was involved in a car accident on 01/25/since then the vehicle which is financed by Exeter has been in the repair shop getting fixedFrom the moment I crashed the car I called Exeter and explained my situation and how they would have to endorse the check that would be provided to me by my insurance in order to pay the repair and get my car backThey explained to me their process and how they needed the insurance estimate the body shop work order with letter head, a W-from the body shop and photos of the repaired vehicleafter that called them several times to confirm that I had everything they requiredthe days passed and for the last two weeks I have been in constant contact with them letting them know that the car would be ready on 03/03/by this point I had already sent them everything they asked for except the photos of the finished car since that
Attempting to pay off my car
Tonight I called my loan office Exeter finance Corp out of Irving TX to try to pay off my loanI asked to speak with someone in regards to paying it off and a possible settlementAfter being transferred multiple times I spoke with *** ID # XXXXXX she informed me the Exeter does not offer anything of that natureI asked to speak with her supervisor, she stated there was no one higher up then her tonightI asked to send a message in regards to my concern about paying off my car and she refusedStating there was nothing they could do to help me and that because I signed a contract they would not negotiateI have made payments on a Suzuki Kizashi totatling over 9,on payments for a loan originated amount was for 13,Current pay off being 10,due to a 18.9% interest rateI only have 9,that I can pay the car off withNo one is willing to discuss this with me at allI just want someone to work with me and this company refuses
My payments are due on the 12th of every month I had an extension done for the month of April of I need another extensive for May due to flood
I had an extension done in the month of April for my monthly payment which is due every month on the 12thOn April the 18th Houston,TX had gotten some very heavy rain that caused some major flooding in our areaI am a victim of the flood we had received on April I lost everything in my home everything is goneI contacted Exeter explained to them what happened to see if I can be giving abother extension for the month of MayI have called over times requested about this and everytime I call I'm being told no one has up dated any info for about my request yetNo supervisor would answer my call/take my call
Customer Service is misleading when it comes to payment extensions
I called into the Exeter finance customer service line to inform them I was having difficulty in making my monthly payment due to reduction in hours at my jobI did what they called a payment extension plan which puts what I owed for that month on the back end of my loanthe gentleman who assisted me couldn't hardly speak English and was very difficult to understandthe date was around October 5th, when I made the call and he told me that my next due date would be November 24thon October 24th I received a call saying that my payment was past due for OctoberI told the representative that I just made a payment extension and she told me that the extension took care of Septembers payment and not OctoberI told her that the person who did my extension did not mention that this said extension would ake care of Septembers payment but just in formed me that the next payment due was NovemberShe told me I was wro
Exeter Finance Repossessed my car over years ago and I reclaimed it within days The car has since been in Exeter Finance's
I have been sending in Power of attorney's for the past years trying to get Exeter Finance to take the car out of their name and put it back in mine since I am the owner of the carThe requests fall on deaf ears and they refuse to change the title to my name so that I *** trade the car in I feel as though they want me to continue to pay their inflated interest rate
my car was picked up due to non payment.I could not make the payment because I couldnt get an account number from them...no response
Purchased my car kia forte in april 2018,first payment was due may 2018..In the amount of $per month..I could never get an account number to pay my bill..Id call and it would always say they were not in the office no matter time or date..even tried to email them...they wont discuss anything through email
I asked bank to reject payment because I purchased car on 8/24/at pm and returned it 1pm 8/25/because engine light came on and today I still d
Spoke to Supervisor Josh and Josh was not willing to helpAll can be done is have card repoedCan't repo car you dont haveI know bank can get their money back and they refusing to help meFirst of all this bank has terrible reviews and now I know whyI was not even suppose to have this bank as a lender I am suppose to have Capital oneThis Bank and Coggin of Orange Park is FRAUD
Finance feesUndisclosed to me
My car was financed at 15,The car price was listed as 13,on 4-11-My car was in a wreck and was considered to be a total lossWhen I contacted Exeter I was told I was paying a a day charge on top of the interest I would have already been paying of 24% yearly (which was never disclosed to me) I have paid 3,in car notes on top of 2,430( dollar a day fee) since 4-My car was totaled, the insurance company paid 10,and they still want 3,I was told the dollar a day fee would stop but the interest on the remaining balance would notI feel I have paid them more than enough and they are a rip offSomething should really be done about this so called finance companyTheir interest rates are ridiculous and if you do not pay attention you will be totally messed upAt this rate I would have paid them 30,for a 13,dollar car if I had not been in this wreckThey do not disclose all of their information when y
EXETER FINANCE ARE PREDATORY LENDERSI WIL BE FILING A CLASS ACTION LAWSUIT
These people are total scammers and dishonest and very unorganizedOr maybe staff lacks education I've been financed through them since November I am in the process of rebuilding my credit In fact the first few months it boosted my score points! My payments are withdrawn by Smart Plan and sent usually business days BEFORE it's due
Starting November they started calling everyday demanding payment - and the lady who could barely speak English had the audacity to be rude and cluelessI advised "No I paid you already." I gave them proof of payment and the check numberEven a copy of the check THEY stamped and signedI even did a conference call with them and Smart PlanWe asked to speak to a manager who was ALSO CLUELESS and not helpful Apparently, they found the check because they stopped callingNow a GOOD business would have called and apologized for THEIR oversightBut nothing no follow up anything
Fast forward, December 1st, 2017they start calling AGAIN! Ummm no I'm not late and I'm NOT paying you AGAIN because I ALREADY did
So Now, my credit score has gone down points because if EXETER FINANCES bad business practices and FRAUDULENT credit reporting
I could have refinanced with my own bank after a year but the FRAUDULENT reporting set me backI had no problems for monthsIt's like they are trying to hinder me from refinancing elsewhere at a better interest rate
My next plan of action will be a CLASS ACTION LAWSUIT and possibly some other type of fraud prevention action
MY PAYMENTS HAVE ALWAYS BEEN ON TIME WITH THEM AND I CAN AND WILL PROVIDE DOCUMENTED PROOF AND SMART PLAN ADVISED THEY WOULD PROVIDE ME WITH AN ADDITIONAL AFFIDAVIT TO BACK UP -THE BACK UP
I can't understand why Exeter finance takes money every month out of my Bank of America account and still have my being late car payments
every month on the 24th Exeter finance takes my car payment out of my checking account They show have me payments behind and has sent bad reporting to the credit companies Bank of America has told me they are ready to help me with all of the drafts that Exeter has pulled from my accountWhat are they doing there....They take my money and still have me behind on car payments I want something done about this right now please I have contacted a lawyer and I intend to sue them, Maybe they can get it stright after that, inthe mean is there anything I can do about this mess
*** ***
*** n *** ***
fresno ca XXXXX
They will not tell me where my payments have goneThey have repo my car by accident twice after I paid $2,to themThis company is a thief
They have repo my car twice by accidentI have paid $2,to themI have made multiple paymentsI get an answer every time I callI have given up on the inconsistency on thisMy truck is work $6,and when I purchased the vehicle It was for $15,and Exeter is stating that the payoff is $15,Where is my money going? I am tired of paying $2,500, $1,900, $and extto this company an the money tends to go nowhereThe dealership I got it from stated it should be almost paid off by nowThis company is a joke and no one will ever be done paying this company offThey are a thief and I am afraid to give my money to themMy credit reports continues to show that I have never been on time when I have paid thousands of dollars on this truck
Unauthorized payment was taken from our bank
This company took an unauthorized payment from our bank when we never gave them authorizationWhen we called to find out who they were and why they took the money , they were very rude and did not want to tell us any information as to why they took our moneyComes to find out we helped our daughter two months ago make a car payment and told them this is a ONE TIME authorization and to NOT use our card again and to take our card information out their computer system and out of my daughters account file This company decided that they can run our card again without our authorization and on top of taking our money my daughter made a car payment as well from her accountThey received two payments for one month! This company needs to be fined and or taken out of businessI have read all the complaints about this company and can't believe they are still in businessI told my daughter to find a new car finance company This is FRAUD!! YOU
This is the worst financial institution I have ever dealt with They do not calculate payments or interest correctly They charge a lot of fees with no exp,a nation for them When asked they say they have no answer My payments are credited and then within three days reversed When I asked why they were reversed they said maybe the funds did not clear These are payments from Money Gram, Western Union, and direct debits They are paid as cash They reverse my payments and then send repossession notices They have taken the car twice now I have reclaimed the car both times Both times the very next day they are telling me I am already five months that behind I asked them how is that so if I just paid all this money to be caught up and get the car back Still no answer from them They use illegal collection practices I have called from friends and families land lines when I could not use my cell phone only to have them start calling the person who let me use their phone to collect on my account They have gone to my children'should homessage in the night with flashlights looking in their buildings I advised them I do not live at those houses and they need to stop harassing my children I would strongly advise against anyone using this company
Unfair Reprocessing Process
-This is my 2nd complaint about Exter FinanceI am really sorry that I selected them to provide my car loanOn 9/26/they repossessed my car around 5:am with no warning i.eletter or callPrior to that I called 9/9/to make a paymentI knew I was behindI advised the representative that I was going to pay one month of $but she insisted I pay moreWe agreed to $but the representative for some reason decided that she wanted to bring up in 2015,a time I was lateThat had nothing to do with our current situation so we did have a small disagreement which she in return hung up on meSpeaking with Exter on 9/26/they have "no record of this phone call" I later went home to try to pay online but they have me blocked from paying onlineThe representative on 9/26/stated they have called me multiple times at the number is "verified with her" that she said was 614-499-(my old number) but I verified with her my new number XXX-XXX-XXXX
The company not very willing to work to resolve customer issues when seeking help
Ive been out of work for medical reasons and fell behind in my paymentsI have asked if there was any way that my payments that I was behind be extended over my loan payment and I pay extra on each one of payments until I get caught upThe CSR was nothe willing to work that out for meIt's very obvious that I want to keep my car as I have since coming back off medical have made a payment july, august, and two in SeptemberYet they are still refusing to try to work out a payment plan for meAll I get is that I have catch up three payments in order for them to defer a paymentThe problem is I can pay three payments at one time but I am making an effort to make a payment each month after coming off medical leave yet this company still is trying to push forward with repossessionThey are not open to options and they set you up for failure just to take your vehicleI ask could I pay instead of
Paid off loan and they cashed check next day I have to wait 30-days to receive overage repayment
I recently refinanced my auto loan with another company Payoff check was sent to Exeter and cashed on 10/26/ I called today and the CS rep informed they received the check and that the loan for my acct# was overpaid by my new lender for the amount of $ She said it takes 30-days for a refund to be issued I asked why it would take so long and she says it is their policy to wait to send the refund This business was really quick to cash the payoff check but to hold onto the refund that is owed seems scandalous I asked if refund could be expedited and she said sorry no This is their policy If you are quick to cash the payoff check then you should be quick to return the overage that was paid to your company Why are you holding onto money that is not yours? I want my refund check ASAP, report to credit agency that my account has been paid in good standi