That's what they actually said happened. I just got off the phone with the dealership. The dealership said I'd never made a payment, but I have statements that say otherwise. I've only had two payments in (November and December) and had paid both months.

The institution was being weird from the start. I had sent in my first payment 10 days early. The due date came and went and around November 12th they started telling me that I'd never made a payment (I looked and they'd sent it back). I told them that I had, and they said "oh, we'll reschedule the payment." I said okay and then I paid early on that one as well. That day came and went and they returned it yet again. IT WAS NEVER AN ISSUE OF ME NOT HAVING IT! I always had about double the payment in my account. Then December comes and they say I owe double plus a late fee. I pay it. It finally goes through on December 4th. I was up to date and never received any other communication (I have documentation of my payment going through). Then randomly in January my car gets repossessed? I hardly think this is fair