Business ProfileforFlorida Credit Union

I have had an auto loan with the Florida Credit Union since 2014- In 2021 I moved to Kentucky, so my payments fell behind and I was not able to catch up. They threatened with repossession, so I refinanced and was able to have the account caught up. Since 2021 they have been charging me $22.28 from my loan payments, that I did not notice until 10/2023. Due to this fee I am not able to bring the loan amount down because it keeps brining the amount back up. When I asked about the fee, they said it was not a fee but a charge for insurance because they did not have my car insurance on file, which is a lie because you cannot drive in Kentucky without car insurance. The CU provided me with the number to call and have it cancelled. I gave the insurance company my car insurance information. The next payment they took the fee again, I called the CU and they directed me to the insurance company, which redirected me back to the CU saying that it was up to them to cancel it. She also mentioned I may be able to get the total amount that was erroneously taken put back towards my loan. I mentioned this to the CU and they then said that the fee was for debt protection that was not authorized. I asked them to cancel that, and with the next direct deposit another fee was taken out, which is now being called a late fee. The payment plan that they agreed to is to get a certain amount deposited directly to the loan. There should not be a "late fee" due to the loan being paid every two weeks via direct deposit. Can you please help me? This company is swindling me and it needs to stop.