Credit reporting or other personal consumer reports: Incorrect information on your report

XX/XX/XXXX I checked online with XXXX XXXX for my account balance which reflected a payoff of {$13000.00} XX/XX/XXXX I Refi with XXXX XXXX for {$13000.00} XX/XX/XXXX I kept checking my online account which still showed my account and balance for my loan with XXXX. Since my XXXX XXXX was coming Due and I liked to pay by the XXXX to ensure it was not late. I made a {$600.00} payment and figured it would just be refunded back to me since this payment and the refi amount was over the payoff balance. XX/XX/XXXX Since my account was not closed, I made a payment of {$600.00} XX/XX/XXXX Received Check # XXXX dated XX/XX/XXXX from XXXX for {$580.00} the XXXX refund because my account was closed. XX/XX/XXXX Unable to view any account information since account was closed XX/XX/XXXX @ XXXX I called and wanted to know why I only received {$580.00} and not the extra {$600.00} over payment I made since the original payoff and the refi amount was correct. I was told that XXXX received the refi check closing the account and back dated the close date as a courtesy since it took XXXX a couple days to process this payment. Since the account was closed the payment that I made was not posted to my account since it was closed. I was told by Affinity that the payment I made was just being held and that I needed to contact my bank and pull the payment back. XX/XX/XXXX I opened an ACH dispute with XXXX and they credited my account for {$600.00} XX/XX/XXXX At the end of the month I received notice that XXXX XXXX advises the title transfer was completed. XX/XX/XXXX I receive first and only notification that my account was delinquent and I needed to pay or my vehicle would be up for repossession by XXXX. XX/XX/XXXX my credit alerts show XXXX reporting my account past due 30 days. XX/XX/XXXX called and spoke with Customer service and she adv she would send this to loan servicing dept. XX/XX/XXXX A couple hours later I received a {$600.00} deposit to XXXX checking account XX/XX/XXXX I spoke with XXXX in loan servicing and she cancelled all fees and interest and closed out account after receiving the {$600.00} wire transfer from XXXX XXXX XXXX. XX/XX/XXXX Several Wire XXXX did not work since I did not have correct routing information from XXXX, I will be sending personal check by Mail XX/XX/XXXX Check # XXXX Received by XXXX XXXX XXXX