[LaneSig]

I had a similar incident with my car payment about 5 years ago. I had been making payments over the phone. I saved up and made a $1,000 payment one month. About 2 weeks later, I got a "courtesy" call asking why I hadn't made a payment. I informed them that I did, gave them the transaction number and the date that I made the call. They looked it up on my screen information and saw that I did call in that date and made a payment. A week later I got another "courtesy" call asking why I still hadn't made a payment. Basically, like you, they had credited my payment to someone else. I sent copies of the canceled check and they still hadn't credited my account. They were saying to me: Yes, we know you made that payment, but we credited it to someone else. We can't credit it to you until we find the money. Me: I don't care that you credited it to someone else. That is your problem. I have proved that I made the payment. I want my credit now.

So here is what I did: I started calling them everyday. Everytime I called, I asked for the name of the person that I was speaking to and wrote it, along with the date and time that we spoke. Before we hung up, I read back to them the gist of our conversation: what we had spoken about and what they said they were doing to resolve it on their end. I also asked to speak to managers. The managers were always amazed that I had the dates, times, customer service rep, and conversation topics listed and able to repeat it back. I didn't scream, yell, or berate the person on the other end. I did say continually, "This is what your company has said they will do. Can you please explain why it hasn't been done?" Or, in your case, "I'm sorry, but I don't want to wait for you to call me, I need to know how YOU are going to resolve this." Is it a pain in the neck to call everyday? Yes. But, I got results within about a 1 1/2 weeks.