My auto loan was charged off in error, and I can't get them to fix it!?

I just paid off my auto loan from Hyundai. Great, right?

Except that I made the final payment late, and they charged off the account! I called ahead, and they told me that as long as the final payment was received by a certain date, it would be fine, and they received the payment before that date...but then they charged off the account anyway, and I still have not received my title.

That was a month ago. I have called once or twice a week since then, and the people I speak with seem helpful and understanding, and they tell me that the chargeoff will be reversed, credit agencies notified that I paid the loan in full, and my title released. And here I am a month later, still with no title.

I'm tired of making phone calls, talking to the same people, and hearing the same promises. I paid my loan and am steaming that this may show up on my credit report as a default. What else can I do?

Thanks for your advice.

My auto loan was charged off in error, and I can't get them to fix it!?

I'm with heyteach above. It is only a month and sometimes things move slow in the credit industry. Most reports are quarterly, though some firms report monthly. If they do not rectify the situation in 30-60 days, as heyteach says above gather up all info and would go one step further submit all info to your local attorney general's office, I assure you a letter from the state attorney general will get them moving.

I do however, considering the timeline here, that you are over-worrying, it is only a month. I would stay after them though, calls for the manager, want to speak to the supervisor, etc. When discussing these situations w/supervisors, etc. keep them on the phone as long as possible, never let the conversation deteriorate, to a slur, or anger, keep asking questions %26quot;like sir if you were in my shoes%26quot;, continually probe, and demand politely, I was a credit supervisor, and correcting situations like this got done----for polite, informed, knowledeable consumers. Demanding, or foul language customers usually got hung up on, and some people I know in the industry if you insult them will allow the situation to go untouched. Persistance, polite informative, polite, yet demanding queries will get results, though again, only a month, they probably will get to it. Only thing bothers me that title belongs to you now, and that should be a recognizable fact for those involved to get the situation rectified.......quickly.

My auto loan was charged off in error, and I can't get them to fix it!?

Get your facts together, put it in writing, and send it to the Hyundai place in question.

CC at the same time:

your local BBB

and each of the three credit bureaus

(See info by going to THE legit free credit report site:

annualcreditreport.com).

Certify, return receipt requested for the Hyundai place as you need proof you sent that there.

When they see they've created extra work for themselves, this WILL be resolved.