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I agreed to voluntary repossession because I fell behind on payments due to hospitalization. I believed everything was handled amicably and was told my car would go to auction to be sold after I gave it back. Car was sold for more than my balance and fees and lender sent me the surplus. I was told I no longer owed a balance and because of my situation it would be taken off of my credit reports. Here we are 7 months later and not only is it still on my reports but they have reported it as a charge off / bad debt with a balance still owed! The surplus check was almost 2k plus they sent a loaded debit card a couple months ago for another $117 for some fees that I was overcharged. What do I do? How do I get this fixed?