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Can a car company refuse to give me a copy of my contract or balance details?
The comments are getting too much, but to verify that you are not insane, you are being bullied.  It sounds like this is a sub-prime loan, of which you are wisely trying to get out of.  It also sounds like they are doing everything in their power to prevent you from doing so.  For them you are a very profitable customer. This might take some legwork for you, but depending on how bad they are violating the law they might be willing to forgive the loan.  What I am trying to say, it might be very worth your while! Your first step will be looking for any free resources at your disposal: Just be cautious as many "credit representation" type business are only offering loan consolidation.  That is not what you need. Fight those bastards!