I just finished my payments with Leaf Funding, which included the final "Buy-off." After going over my contract, I found I had overpaid by $121.52.

After several attempts to resolve where the money went, they are now conjuring late fees in which they claim I didn't pay over 2 years ago, though they're refusing to send me any proof of late payments.

It seems since I live in California, and they're in Ohio and South Carolina, I have no real options to settle this matter in small claims court.

This company has ripped me off several times, claiming I had made late payments continuously, even though I always sent them payment 10 days prior to the due date.

"Coincidentally, " the late fees stopped when I started sending my payments in via USPS CERTIFIED MAIL. Once I started doing so, the late fees stopped, and the payments seemed to get to them within 3-4 days.

One time I even sent them payment 4 days before it was due, but since I sent it certified, it AMAZINGLY showed up by the due date.

This company is a fraud, and I want EVERYONE who reads this to know this. I'm going to dirty their name as best I can through any web portal/ blog necessary.