Complaint Review: Automotive Leasing Specialists

My auto loan (origianlly with The KEY) was bought out in 2013 by Automotive Leasing Specialists, aka ALS Dealer Funding, aka ALS.

I received a phone call at work in September, 2013, requesting I set up the first two initial payments to ALS for October, 2013.  I was told I would be assessed a $5 fee for each payment for a total of $193 on October 10 and $193 on October 28, 2013.  Subsequent payments were set to automatically withdraw from my ban account as they had previously, biweekly, with The KEY.

A couple of times my payment was rejected from my bank for insufficient funds and I received a call from a rep with ALS to collect the payment in arrears. 

As you can see from the attached bank statements, ther are NO lapses in payment in any given month that were not IMMEDIATELY responded to and appropriately taken care of.

On Thursday, September 11, 2014, I received a call from ALS demanding payment saying my account has gotten "behind" in November of 2013 and was never caught up.  I also spoke with the "supervisor", Gary Stroud, about my concerns.  He proceeded to argue with me and said he would call me back the next morning.

First of all, I have spoken to ALS account reps on the phone since November, 2013, and NOT ONCE was I ever told my account was delinquent to this degree.  In fact, both times I spoke to a representative to process my payment (12/15 and 8/10) it was explained to me a late fee would be included in my payment to bring my account current.  CURRENT.

On Friday, September 12, 2014, I called Mr. Stroud because he had not returned my call as promised.  He made a snide remark that I sounded happier today, to which I replied I was because I had done my research and got all the payment information I needed to support my case from my bank.  He continued to argue that I was delinquent and that my account was in collections, so I asked him to send me a copy of my account status any pay history.  As of 3:22pm CST on Friday, September 12, 2014, he has not complied with my request.

Attached is a copy of all payments to ALS, and I even included a few months history with The KEY which is irrelevant to this claim against ALS who purchased my loan in September of 2013.  In the course of 11 months, I have made 23 payments to ALS, three of which included late fees and two included processing fees.  My bi-weekly payment was set at $188.  However, in December I paid a total of $592.

I am just looking for resolution.  I want my account brought current and out of collections.  I want all three credit reports to reflect I am making MONTHLY payments.

Thanks in advance.

Respectfully,

Devonne Davis