Business ProfileforChallenge Financial Services Inc

I went Aug 18Th to payoff my account in full. They tried to scam me out of $804.00 by saying they added insurance to my account for a vehicle that, I provided proof of insurance for in previous years. I have my emails sent from June - Dec 2021 and June 2022 all showing my proof. I was told they didn't have those records on file and could't locate them. Then i was told to resend the declaration pages and my refund would be available to me within 1-2 business days. I should have recieved it by the 22nd. I called the office and was then told they needed a letter of experience, that the declaration pages weren't good enough. I dealt with the manager of the office that said he would personally handle the situation, I went to my insurance req the ***, sent it to the manager who assured me I would get my refund by the 24th. On the 25th I still had not heard back, I called him, he was busy on a call. Instead of receiving a call back, he went on break. Since it was near closing time on a Friday, I drove to the office. Mind you, I have told them since the beginning my baby is due any day now and I'm dealing with high *** Bieng out in the heat is not ideal for me or my unborn! I got to the office where I was told the check was sent overnight but there was a delay. So I requested they send me a new check directly to me via overnight. I could not go back to pick up the check because I may be facing a c section. I was advised, that was what they would do for me. I then expected my refund by the 29th. It did not show, I spoke with the manager again, he said he'd look into things and give me a call back. Call never came and unfortunately I had to be admitted into the hospital. It is now the 30th and again I had to be the one to reach out, it was told to me that they sent the check regular mail. That I was not willing to pay the overnight fee so they didn't request it. I was never told about a fee and had a witness with me who can vouch that was not what was stated or asked of me.