I have continually made overpayments towards my vehicle loan in an effort to reduce the principle amount and, in turn, reduce the amount of interest being paid towards my loan. I contacted FIFSG ( First Investors Financial ) when I noticed all of my overpayments were being split between principle and interest. I contacted FIFSG the first time via telephone and was advised this would be corrected. When my payment was made in XXXX 2015, I reviewed my account and noticed the first request and resolution had not been honored and my overpayment again was split between principle and interest. I sent an email and received a response to allow XXXX hours for my request to be processed and the change to occur. After making my XXXX 2015 payment, I again noticed no action had been taken to correct the payment allocation on the overpayments and my XXXX payment had, again, followed the same pattern. When I contacted FIFSG on XXXX/XXXX/2015, I spoke with a gentleman who identified himself as XXXX XXXX, a Team Lead. I explained my reason for calling, how I contacted the company twice before and no changes had been made. XXXX XXXX then tried to tell me how my interest was being calculated on a per diem basis and why the amount of the per diem interest was being calculated and I have a simple interest loan. I explained to XXXX XXXX my request was to have the overpayments applied to the principle and the interest remediated, I was advised both verbally and in writing this would be done and my account still shows no changes. XXXX XXXX continued to explain to me how interest worked and I advised I was well aware of how Finance worked considering this is my career field. I then advised I was going to file with the CFPB if this did not get changed. XXXX XXXX continued to argue with me and I ended the phone call with the statement of filing with the CFPB to step in and help. 
