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Problem with fees charged. XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to file a formal complaint against Kia Finance regarding unfair and deceptive payment practices that I have experienced since XX/XX/year>. In XX/XX/year>, after falling behind on my car payment, Kia Finance required me to call in by phone to make payments instead of using the regular online or automated methods. However, they would only accept payments made with a debit card they refused to accept a checking account number and routing number, even though I had one available. At the time, my debit card had been compromised, and I was awaiting a replacement. Because of this, I was unable to make timely payments, which caused Kia Finance to extend the mandatory phone payment process for an addi