I had a car loan from Vystar and paid it off earlier than the actual date. They gave me the payoff amount and so I gave them exactly that amount thinking my car will be paid off. After a month, I received a bill saying I need to pay my monthly payment. I called them because I know I already paid it off. I learned that they did not pay off my car but put the money in my savings account which has an initial deposit of $5. They finally paid off my car and I thought that was it. Later, I received a statement saying that I owe them $14.02. I called and asked why. It took several calls before they could figure it out. It was because I get charged a finance fee every time I have to pay. Now instead of me paying that fee once when I first called, I have to pay it for the second time when they finally paid off the car loan. I disputed that because why would I pay for someone else's mistake. Despite many calls, respectful ones, they said they cannot change it so I have to pay for it. I said okay i will pay for it because I don't want to continue with outstanding debts always receiving statements that I owe them. I will pay it off but I will have to warn people this can happen to them and that I am not happy about this.