I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time. 
