Business ProfileforThe Summit Federal Credit Union

This complaint is about my-automobile loan with the summit f.c.u. Last month(may2024) I did not receive a bill. I noticed that and sent a payment may 11 for above the amount due on may 15. May 29 I received a bill for past due payment as they have not received payment for the month of may.After several phone calls they are not able to correct the issue. The last call they explained that they checked their records and they did send a bill on May 21. The payment was due on the 15th? Regardless I had sent a payment on the 11th to the correct address with account numbers and a letter explaining the bill that I never received. I pay extra on the principal balance every month. It seems when they notice that they are not making full interest amount on the loan, they suddenly neglect to send a bill or receive a payment. Therefore every thing extra that I’ve paid interest free has been lost. There electronic payment options are handled by a third party service with additional fees. It’s nearly impossible to speak to them on the phone and when I do they are no help even after telling me that their records show they sent the bill a week after the due date. They point the blame at me and the post office. It’s an intentional error on their behalf to insure that they are collecting full interest plus a $35 late fee.