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Strange question I know. So my mom is going through Credit Acceptance Center (shivvers) for a car. Back in March she got sick and missed some work, she was also trying to save up to move to a cheaper area in June. To help out I called Credit Acceptance Center on March 19th and told them I would like to pay 70.11 (3.37 x 3) to cover March, April and May’s payments. The rep said sure thing and took my money. April comes around and they try to pull 3.37 out of my mom’s bank account for April’s payment. That caused the bank to charge 2 NSF fees. I call Credit Acceptance, explain the situation and have them call the bank and ask if they will reverse the fees due to Credit Acceptance Centers mistake. They did. So, my mom works as a cook on a tug boat. She asked me to watch her car and her dog this month while she is on the boat. Both are in my yard. I go to feed the dog and hear her barking, they are towing the car.
I call customer service and verify the payments all processed. They are now saying they don’t do advance payments, despite the first rep I spoke to in March saying "Sure thing" and the second apologizing to the bank for their mistake and assuring me that they next payment would be due June 14th.
So is this legal for them to repossess the car? If not then can I call the police to report the car stolen and actually get Credit Acceptance Center into hot water?
Yes they deducted it all on March 19th. All ,270.11.
Oh I also paid her insurance up for 6 months to make sure that was good.
I called their customer service again tonight and they are saying the payment was due on May 13th. But they also see where I paid the ,270.11 in march and that the customer service rep at that time set the next auto pay for June 14th (the next payment date)

So I can’t talk to the repo department until tomorrow. In the mean time am I go for calling the cops?

Here’s the breakdown of events:

Lost a job in March that led to deficit in our home income. We were 90 days behind on a vehicle lease loan with Fifth Third Bank – we had been calling them for months trying to work something out, and they were completely unforgiving. They finally said they were coming out to repossess our car.

This past Friday: Called Fifth Third Bank and said that we could make a 2/3rds payment on what was past due on our car. They said it needed to be the full 90 days. We said we could do something over the weekend and pay on Monday. The customer service rep said we had until Monday and she noted out account.

Sunday at 6am: Our car is involuntary repossessed while we slept. Called the police later in the morning to find our car had been taken to a local repossession lot. When we called the lot, they said that Fifth Third hadn’t informed them that we had until Monday. They said we needed to call Fifth Third on Monday morning to discuss.

Monday at 7am: We called Fifth Third. The rep says that she sees the note on our account, but that doesn’t matter. She said someone should have explained the risks to us, and they could repo our car anytime, no matter what we were told. We made the payment via Western Union for our car. We are told that once the paperwork is sent to the repossession lot, our car will be released to us. We are told this will at least take a day. We call the repossession lot at the end of the day to see if paperwork has been received, and it has not.

Tuesday: We call the repossession lot to see if the paperwork has been received, and it has not. We call Fifth Third, and they tell us to call back on Wednesday. They said these things take time.

Wednesday (TODAY): We call the repo lot. They tell us our car has been transferred to the auction lot. They tell us our car will be up for auction on Monday. After some argument, we find out that Fifth Third places a 72 hour hold on cars repossessed, and that we’ll have to pay all these fees incurred for the time. Fifth Third still has not sent them (or US) ANY paperwork regarding this matter. We’ve only found out all this information by calling these places trying to piece this together.

TONIGHT: We are told by the repo lot that they will not sell our car because we have a confirmation number for our payment. However, we’ll still be responsible for all the fees.

My question is – WE PAID ON MONDAY. WE WERE TOLD WE COULD HAVE UNTIL MONDAY TO PAY. And the note saying that is on our account. Do we have a legal case? I know we defaulted on the loan, and that is our fault, but don’t we have some rights here? Shouldn’t what the representative told us on Friday hold some weight as a verbal contract or agreement with us?

Please help. I believe we’ll be contacting a lawyer in the morning, but we’re just feeling helpless. Thank you for anyone who takes the time to read this and offer advice.
Just as an extra note – the customer service rep we talked to on Friday didn’t even have our current address until we told her. So, she would have had to tell us we could have until Monday, then sent out a repo order after telling us that.