What happened was I've been making payments each month, but I'm still a payment behind for the past 7 months or so. And as a result, I've been charged a late fee that has compounded this whole time. And I've already asked one of their call center manager to eliminate the fees, without luck.
I'm thinking about calling again and speak to another rep right before paying it off, or perhaps ask for a settlement. Not sure if this will work though.
I'm wondering if there are any negotiation tactics, such as paying off my balance first; at which point I will technically paid off my debt of the car, which will only leave the fees left on the table before they send me the title. Then I'll keep bugging them to drop them. Not sure if that will work.