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Problem related to refinancing. In XX/XX/XXXX, I opened an auto loan with Zions Bank for the amount of {$25000.00}. On the original promissory note, it stated that my monthly payments would be {$480.00}. I faithfully paid {$480.00} each month with the exception of XX/XX/XXXX and XX/XX/XXXX. For those two months, I paid {$100.00} for a payment deferment per Zions Bank 's policy. The apparent problem with the loan began in XX/XX/XXXX. For some reason that Zions Bank has yet to explain, I began to receive monthly payment coupons for my loan which stated that I should pay just over {$400.00}, instead of the original promissory note 's stated {$480.00}. I naively assumed that Zions Bank knew what they were doing in managing my loan and had perhaps readjusted something with the loan. So, I b