I purchased my vehicle in November 2015. I set up auto payments. It did not withdraw the December payment, and SETF called me to let me know my December payment was late, on January 9 2016. I explained that the withdraw was submitted. They said they have no record of it. So, I paid the payment, again and realized the original payment didn't clear my bank. No problem, it was paid.
This event recurred monthly. Every month I was told, your auto pay should come out this month. Every month it did not. This continued until finally, in April 2016, I set my payments up to auto pay through my bank account. Today, May 24, 2016 I get a call that my payment is 23 days past due. Upon reviewing my bank account I see that I had in fact made my payment 4 days ago. The woman was argumentative with me, and I explained that I make my monthly payment every month, the problem has been on their end. Not mine. I had to ask her to stop talking, that I didn't need her to tell me when I made payments because I am looking at my bank account line by line back to December and I need her to be quiet.
Here is what happened: SETF They applied my December payment to January, and therefore I have been behind by a month since I purchased my vehicle. I asked the woman why every month they have called me, why has no one mention it was the December payment that was the issue. I was getting calls from SETF monthly, even though I pay my bill every month and this is the first time they told me i was behind from December. As a result, I had accumulated 2 late fees that have never been mentioned at all. I don't read my statements because I pay the bill monthly online without fail. Of course people always say "well, it wasn't my fault", but in this case, it was either an error or miscommunication on SETF's end, not mine. It would have been so easy to resolve had they mentioned the fact that it was the very first payment that was missed. Never did they mention that and why would I ask, "so you are crediting for December?" I would have not made any other assumption because they were calling me on January 10th about December 29th's payment. THIS IS NOT MY FAULT. I was told today, that if my payment was not credited to my account before the end of the month, they credited it to the next month. The woman in customer service told me that is what they did. I said "why? it was December payment" Her response "you made the payment in January" I said, "yes because SETF didn't withdraw my December payment, you guys called me January 10th. Why would I think you were calling me in January for January's payment that wasn't due until January 29th?" In this case it was the fault of SETF that I was behind because they applied my December payment to January. When all is said and done, the least the customer service woman could have done is said, "I apologize, let me get these late fees removed" but no, I had to call back to do that and request a manager.
SETF is not customer friendly, when a payment is missed they assume it is the customer's fault, and the treat you like a jerk. I am sure they deal with non paying customers all day long, in my case I was the exception and would have appreciated a little respect.