I argued and after few phone calls they changed it to paid in full as a settlement which ruined my credit for 136 which they said pay today and we will close the account.
It means you still owe it and we will report you to credit agencies. I called Infiniti and they said that I spoke to their credit collection agency and when they say we will close the account. One year later I get an alert on my credit report that I owe Infiniti and it’s 60 days past due. I was told we will take off 136 dollars if you pay today and close the account. I called to say that part of the bill for a scratch but I fixed the car. I returned my car after fixing somebody work. After 20 years of owning Infinitis and Nissans, NEVER AGAIN! IFS has now reported us to all three credit bureaus, falsely stating that we are behind in payments, even though we have made all lease payments and fulfilled the purchase option terms sent to us by IFS. Seriously? So all lessees should assume that IFS does not have a clue what it is doing and contact them to see if the payoff amount is enough? No wonder the car business has such a bad reputation and the reviews of IFS are so dismal.
The inept Senior Counsel of IFS actually wrote that we should have known that the payoff amount was incorrect and contacted them to receive the correct amount. Instead of receiving the title for our car in the mail, we received notification from IFS that IFS MADE A MISTAKE AND WOULD NOT RELEASE THE TITLE UNTIL WE SENT THEM MORE MONEY. IFS cashed the check and reported payoff to the credit bureau. The check was mailed to IFS the day we received the letter. The formal letter, emailed to us by IFS, clearly indicated that amount quoted included the payoff, sales tax and purchase option fee. At the end of our lease period, where all payments were made ON TIME, we were given an official payoff of the lease by IFS. It was recommended that we wait until the end of our lease period to obtain final payoff since payments needed to be credited to the account. About one month prior to the end our lease period, we contacted IFS and received a VERBAL estimate of payoff. Under no circumstances should anyone ever do business with IFS! It is a corrupt company that uses bad faith, along with techniques that could be described as extortion to withhold sending out titles.
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