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Problem with fees charged. I have been making payments since XX/XX/2018 to American credit Acceptance ... monthly {$610.00}. not always in a timely manner ... but kept communication open and in good faith kept all arrangements regarding dates agreed on to get account current..total paid to date is {$15000.00} ... {$14000.00} was taken and applied to interest only ... .this is the amount applied to principal {$890.00} ... .how is this legal?? Also, I was never given a separate document to sign regarding a " 2-day '' option to cancel contract ... I am so distraught and feel that there is serious deceit and fraudulent practices by this company ... they have purposely lied to me on the phone making me believe that my account was current when payments were made and never once did anyone, in my