Addition Financial Credit Union

I purchased a car on June 26th and chose Addition Financial as the loan provider. They assured me that I would receive payment details by July 15th. However, when that date arrived, I had not received any information regarding my payments. Concerned, I visited the Addition Financial office on July 15th to inquire about the delay. They informed me that the necessary documents were on their way. Unfortunately, today is July 31st, and I still haven't received any payment information. Despite visiting their office twice and making multiple phone calls, I have been unable to obtain the necessary details. It is frustrating that Addition Financial refuses to send me the information I need. With my payment due in just over a week, I am left in the dark about where to send it or what my account number is. It is essential for me to have this information so that I can make a payment by mail, as Addition Financial does not offer online payment options.

The nature of this dispute involves the sudden closure of my secure credit card and checking account without any prior notice or warning. Additionally, my online banking access was restricted, preventing me from viewing any documentation regarding the pending closure. I received a letter from Additional Financial dated May 30, informing me that my credit card was over the limit by $18. It is important to note that I have never had a late payment and have always paid at least the minimum due on time, except for one cycle. The negative balance in my checking account occurred when we opened an account with another credit union and experienced delays in the migration process. As a result, several drafts went through, causing the negative balance. Unfortunately, the merchants responsible for these drafts took a significant amount of time to rectify the error and have refused to refund any fees that I am being charged. On June 4, I spoke with a collection agent named "***" from Additional Financial, who informed me that the credit card had been closed.