<prompt> Human: My car payment was paid on the 25th of last month, on time and more than the minimum due, I have bank statements to prove it cleared. Last night I woke up to my car alarm going off and it being dragged down the road on a tow truck. I called the fiance company and the recording said I was 72 days late on a payment and the last one recieved was in January. My bank statement shows that last week on the 4th my payment was returned. I received no phone calls or emails from the finance company. I spoke to a representative today who told me they have no record of ever recieving money. I dont know what my options are. The only thing anyone is telling me is to sue them, I dont even know if thats an option. I dont want repossession on my credit but I dont want to pay these guys again to have this happen again. Ive read reviews that say the company had done similar to them. I was in a bad situation and got financed with no money down, but Im in a better place nowfinancially and would like to stay there. Any realistic advice would be appreciated.  <response>: post this in rlegaladvice. Dont listen to ucowmandude. You may have good cause to sue them but not enough facts are known and its far from a slam dunk.This is now a legal issue not a financial one. 