I pay at least double on my auto loan. I always pay in person, but at 2 different branches; one by work, the other by my house, and each handles my loan differently. For example, my payment is $ 500 per month, so I pay $ 1000. At branch A, I receive 2 receipts for $ 500 each: one for the initial payment due, the other applied towards the principal. At branch B, I receive 1 receipt for $ 1000. When I ask branch A about it, they say branch B is doing it incorrectly, and I am getting screwed. When I ask branch B, they say branch A is wrong. Which is correct?
Also, if I am getting screwed by Branch B, is there anyway to go back and correct their mistake?