CSC Logic

After 8 months of payments to Sun Trust Bank our Lexus' auto loan was sold to BB&T, which uses CSC Logic Inc to service their accounts, in September, 2016. All of my payments to Sun Trust were paid ahead of schedule and the last payment was made just before I received the letter from Sun Trust stating that they had sold the loan. Sun Trust forwarded that payment to CSC Logic which CSC confirms to have received. My first statement from CSC had a "Statement Date" of 10/15/17 with a "Payments Must Be Received By" date of 1/4/17, approximately 2.5 months later. From that statement through the 4/14/17 dated statement everything was as above and all my payments were received by CSC Logic (by their admission) no later than the 25th of the same month of the Statement Date. Concurrently, my Wife was sending in Principle Only Payments of $100 every couple weeks or so for a total of $600 while CSC Logic owned the loan. In April I realized that CSC Logic was not applying my Wife's contribution to Principle, rather, they were paying themselves first by using it to pay interest. I called CSC Logic on 4/20/17 and rectified the contributions and was given a separate address to send the Principle Only Payments. Then my May Statement had a Payments Must Be Received By date of 20 days after the Statement Date of that Statement. A reduction of approximately 1.3 months. Also, I then received a Past Due Notice in May. I spoke with a CSC Logic Customer Service Representative, the only one of the eventual three with whom I spoke that had a clue, on 5/25/17. She acknowledge there were irregularities with my my account and ordered an Audit. My June Statement also reflected only 20 days from the Statement Date to the Payments Must Be Received By Date. I was then notified by CSC Logic via a phone call that went to my voice mail that my payments were past due. I called them back and then had quite possibly the most inane and frustrating conversation of my 54 year life. I had the Customer Service Representative acknowledge that CSC Logic had sent me 8 statements since they owned the loan and that they had received 8 payments, excluding the $600 from my wife, yet he maintained I was delinquent. He did agree that 8 equals 8 but maintained his position. Finally, after approximately 30 minutes on the line he agreed to send it to be Audited (I still had not heard anything concerning the 5/25/17 ordered Audit) and said I would hear from them that same day since our conversation was early that morning. A few days later I received another Past Due Notice. As of the writing of this my loan is being refinanced through a local bank with whom I have other business and by early July, 2017, I will be done with these meatheads and they will not receive another nickel from yours truly. If you chose to do business with them then good luck and keep a brick handy to slam upside your head when you eventually have to speak with them.

failed to provide requested documents to gap company resulting in prolonged claim and missed payments.
My vehicle was totaled in February of 2017. Immediately a claim was filed and Csc logic was notified, I was advised that they would handle the entire claims process dealing with my gap contract and not to worry about anything. This is the first time I have been through this I was under impression they were doing as they stated and handeling the process until I received notices about my credit being affected due to in payment. Once this happened I contacted the gap company and was advised that they had requested multiple times for Csc logic to submit payment history documents and documents from when they acquired the loan from previous financial institution. I was advised by the gap company to acquire these documents on my own so I went to both Suntrust and bbt(Csc logic) and requested full loan history which was faxed to me at the branch. When I received my loan history and requested documents from Csc logic I also received another individuals loan documents and contract from the purchase of their vehicle. This was on May 11th. On May 17 I contacted the gap company back and the claim is now finally being processed thanks to the work I completed and their lack there of. I notified Csc logic that the claim is now being processed and requested they remove the derogatory marks off of my credit report. I also notified them of the breach of someone else's personal information.