First let me say my credit score is over 800. I purchased my first house 2 months ago and began paying my bills through an online bill payer for convenience sake. After the 1st payment to Sheffield was electronically drafted from my account Sheffield contacted me saying I was late on my payments that I didn't make my last payment. I contacted my financial institution and they gave me a tracer # showing the payment was received by Sheffield before the loan due date. Late fee was charged and despite my providing documentation that the error was Sheffield's they would not waive it. Before I got this cleared up a 2nd electronic transfer was drafted and guess what - same story. Again late charge - this time higher than the last one since I was still considered delinquent from the previous payment. Again provided the tracer # proving the money had been drafted by Sheffield on time and in the correct amount. They are still saying that the payments weren't received, claiming they can't waive the late fees, and that I am still behind on my loan. See attachment which proved money was taken out of my account by Sheffield x 2.
If you read previous complaints on this forum you will see this is a tactic Sheffield uses regularly to screw with its customers. I got my loan for my 4-wheelers from Sheffield 3 years ago when I had no credit - just out of school. I warn everyone - DO NOT USE SHEFFIELD for any type of financing. They have no respect for customers, have questionable business practices, and will not even admit they are wrong when presented with black and white proof. All I wanted was for them to credit the payments I made and waive the late fees and they wouldn't even do that. BBB and PA Attorney General's office have been contacted.
Product or Service Mentioned: Sheffield Financial Loan.
Reason of review: Problems with payment.
Monetary Loss: $280.
Preferred solution: Correct my account and remove all late fees. Apologize for error. .
I didn't like: Cavalier attitude, Ignored the facts, Repeat problem.