Numerous times they've called & called me nonstop calling night & day, every day of the week threatening me, which was bizarre because on more than one occasion, I'd ALREADY paid it! Yet, when I told them that, they argued with me. It was insane. I paid online once and they lost that pymt which I told them was impossible because I had a confirmation #. Again, they argued with me. I asked to have my paymt date changed and they said "No", but added the 10day grace is intended to help people whose due date does not work with them financially. Yet, if you try to use it, they CONSTANTLY harrass you & say you're late. So, I'd been paying extra each month--after notifying them & having it approved--to make up any late fees. But then I noticed they weren't applying any extra money at all & in fact they were still INCREASING the late fee amount. I called to say you can't continually charge & charge & charge me on a ONE TIME late fee; that's illegal. They said they weren't. I explained to them they were & even worse, weren't giving me credit for my extra money being sent in. They claimed they'd address it. Guess what? I'm still waiting... (Oh yeah, the dealership I bought from went bankrupt.) Customer service is a pathetic joke!!!