Well, I wish I had came here before opening an account with this company. It begin when I had set up auto pay, when my payment failed to come through the bank I checked my account and found out auto pay magically was turned off which of course made my first payment late. Because they claim I was late, I was slapped with a 39.98 late fee and a returned check fee of 39.98. I'm not quite sure how they can can get away with this.
I called to talk with customer survive, WOW!! they must be the most unhappy people out there, this lady had the worst attitude.
They wont talk about what happened and try to help you understand why. I have never been treated so crappy when speaking to customer service. I asked this lady how much my payment was, she told me "I cant tell you", "it's a different department", What? she had my account pulled up looking at it! Long story short I ended up paying a 15$ over the phone payment charge.
I ask her why was auto pay turned off?, her answer was I was one digit off on routing #. I can understand my making that mistake, but they could have contacted me about the issue, the lady says "we sent you a letter . Of course I never recieved one.

Ok I set auto pay up again, which as most of you know can take up to 30 days to activate. I asked them if auto pay was going to take out my payment or if I needed to go ahead and make the payment over the phone, their answer wasit wouldn't come out till next month. The day after paying over the phone, auto pay took out 2 payments, and charged me two over the phone payments of 15$ each. In 2 days I ended up paying 149.00, 160.00, 160.00, 15.00, 15.00.
I called my bank the next morning, took out a loan and paid this company off, closed account. Lets just hope I dont hear from them again. I will take the time to post this story anywhere I can to prevent you all from having the headaches I have from this company!