Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Can a car company refuse to give me a copy of my contract or balance details?
Phone conversations are useless if the company is uncooperative, you must take it into the written word so it can be documented.  Sent them certified letters and keep copies of everything you send and any written responses from the company.  This is how you will get actual action.