I called Citizens Automobile Finance on May 12, 2005, to get a payoff amount on my Jeep Cherokee. I sent in a check for the amount quoted -- $8,824. Two years on, I got a collections letter demanding another $250 for this same loan.I got a copy of my credit score and discovered that had listed my loan as uncollectible due to a Chapter 13 filing -- even though I've never went bankrupt.
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