Complaint / review text:
This email to inform you that I am considering paying off my loan.
When I received confirmation that my loan was approved I contacted Sheffield’s customer service department to set up direct draft from my checking account. I was told that I would have to go online and do this myself. After setting up an online account I contacted Sheffield’s customer service department for instructions to set up my account. I entered everything as instructed and assumed every thing was fine.
After the first scheduled payment date I received a call from Sheffield stating that my account was pass due. After discussing possible reasons as to why my direct draft did not go through I went on line and made the pass due payment to bring my account up to date. For this transaction I was charged a $10.00 convenience fee. After talking to Sheffield’s customer service department as to correct the problem with my bank draft, I was first told that my checking account number was entered incorrectly. After reentering my banking account and routing number I just happened to notice on my detail account information there was a $ 40.00 charge that puzzled me. I contacted Sheffield’s customer department again and was told that the draft request came back from my bank stating there were insufficient funds to cover the draft request. I told the Sheffield repersenitive about the conversation I had had earlier with another repersenitive and that I was told the draft would not go through because my account # was entered incorrectly. Now I have one Sheffield repersenitive telling me the account number was wrong and another Sheffield repersenitive telling me the number was right but the account did not have sufficient funds to cover the draft request. I expressed my confusion to the Sheffield repersenitive and stated I did not think the $ 40.00 charge was fair or justified. She put me on hold to check with her manager and then told me I had to pay the $ 40.00 and “take my concerns up with my bank”. I called my bank and they checked and told there had not been a draft request on my account.
As you can see by my credit score I am not someone that takes my finances lightly.in my thirty some years of banking I have never been late on a payment nor had an insufficient fund charge. Your customer service department personal desperately needs training in true customer service.
I have been your customer for less than two months and it has cost me $ 50.00 and a lot of grief.