XXXX XXXX XXXX XXXX failed to electronically verify required insurance through XXXX XXXX XXXX. XXXX XXXX force placed insurance raising the monthly payment. Since payments are made in-person in XXXX XXXX retail branches account holders were never made aware. We were never asked to update contact information. Payments made for expected amount failed to meet new amount after insurance was placed so payments were considered late even though $ XXXX was applied to principal on time each month. When trying to clear up or rectify the situation with account manager at XXXX ( XXXX ext. XXXX ) he wxplained to me that the error would take 3-5 business days to clear itself in the system. The system may or may not report the accurate information and if not it was my responsibitlity to file a dispute with the credit agencies. I 'm not sure why it would me my responsibility when this clearly was a XXXX XXXX error all along. They also told me the automobile was not insured when in fact it was causing me to pay premium through another insurer costing me more money then they had attempted to charge for late fee 's and force placed insurance ... Had to contact XXXX XXXX plus times to resolve. Asked for information to be faxed and never recieved or illegible. Asked for pay of as of XXXX/XXXX/15 and they were unable to give me an exact amount. I would like to be done with this company. Very poorly handled sitution on their part due to their error.