Business ProfileforCarolina Finance

At least a car from this company in June 2022. I recently got behind in my payments within the last year. I have been paid on this car for 19 months minus the four months that I got behind. I have paid this company $11,667 for this car which is a 2015 ***** Civic in January. I spoke with *************** and advise him that I would be late making my payments at the time he told me that I would need to make two payments. I explained to him that I couldnt and would need time during this period my transmission went out I took this car to three different shops before I got it fixed and figured out what was wrong with it. I end up having to put a new transmission in the car which cost me between putting the new transmission and going in between shops $3000 when I finally got my car back because it was gone for a month and a half my car was repossessed five days later. I had not called them since January, because of the information that **** gave me so I was trying to get enough money to pay two payments, and also pay for my car to get fixed when I first spoke with ********************* on February 22. He advised me that I will probably have to pay almost 3000 to get my car back. He kept stating that he did not know exactly how much it would be to get my car back. I called him again which was Friday, February 23 he explained that he didnt have an invoice for the car. He did not know exactly how much it would be to get the car back. I told him that that doesnt make sense that he should have an invoice and she should know how much the car gets back in the people should have let him know he kept stating that no invoice have been sent. However, when I receive my mail, he sent a letter to my house on February 22 stating that I would have to make the full payment at the time he knew this when I was calling but he did not inform me I didnt call back on Monday and I was informed that I will have to pay the full balance on the car I explained to him that I just purchased a transmission that I was in between jobs and I just started my new job on March 5 the last payment I made on the car was December 16, 2023. I told him that I cannot take this as a loss. He said that he need to speak with upper management and he will let me know however he did not call me back that day or the next day. I had to call him back and when I did, he informed me that upper management said that I cannot receive my car back by just paying the past due , I informed him that I just spent $3000 on this car I could not take this car for a loss. I asked him if I could possibly speak with upper management myself to explain the situation. He advised me that I cannot I asked him is there anything that we could work out or possibly he advised me that he I was beyond frustrated, crying and upset considering the fact that my car had been in the shop for a month and a half and as soon as I got my car, it was repossessed over the weekend. I checked my credit and my credit report showed that my car was repossessed in January 204, owing $1029 , however my car was not repossessed until February 22 on the letter that I received. It stated that I had until March 12 to receive my car. I dont understand how they already put it on my credit when its not even March 12. I have been contacting the ********** office to possibly speak with someone in upper management besides ********************* I have not been able to get in touch with anyone. I have had this car for almost 19 months and out of the 19 months I was behind four months. First, he advised me that I couldnt get my car because my license was suspended so I went and got that done and now my license is active and I called and asked I get the car and then thats when he stated again that I will have to pay the full balance and something about insurance. However the company charges me extra $90 a month for insurance. He stated that was the reason that I cannot receive the car Im not understanding why I cannot receive the car when Ive paid almost $12,000 for this car. I did not want to write a complaint on the Better Business Bureau but at this point this is the only option that I have to reach someone , I would like for this company to possibly work with me to get my car back. However, I cannot reach anyone besides, *********************. I feel that the fact that me and ****** have buff heads a couple of times that this is the reason why he would not return my car to me or let me pay the past due considering that I just put a new transmission in this car I feel like the company should let me pay the past due and receive my car back or maybe they can possibly give me a refinance so I can receive my car back. I have attached my credit card to verify what Im saying about. My repossession was put on the car on January 2024