Credit Acceptance Corporation Consumer Loan Complaint

Credit Acceptance Corporation Consumer Loan department,

Vehicle loan Problems when you are unable to pay North Carolina

I would like to obtain help with understanding how my finance company is calculating payments and the amount of time a payment is late. in - I was $640.00 behind on my payment. On - - my vehicle was reposessed. On - - I paid $750.00 to have my car returned. That according to them left me awith a $100.00 credit. A few days later they were charged a $250.00 repo fee. That left $150.00 of repo fee, not payment owed. I then made payment for - on - -. of my standard payment of -. Still leaving the repo fee owed. I am not disputing owing the repo fee, I just dont feel that the fee should be accounted into my days behind on my regular payment as they are - seperate items. Since the company is counting the repo fee as a past due payment, they are claimim=ng that my entire payment is more than 40 days past due, which is not the case. My standard payment of - was due on - - when I paid - payment but because they are counting repo fee as part of my payment, they are unwilling to offer an extention for my standard payment.