My brother recently had a Yamaha 4 wheeler financed through this company and my husband was the co-signer on this vehicle. No one told them that it was like a credit card when they bought the vehicle. My brother pays all of his payments online and he pays them on time each month. Apparently this company does not check their online service because every month they add late fees to his account, even though it was paid on time. After two months they start calling everyday wanting more and more money. My brother actually paid $1200.00 in one month which is $900.00 over what the payment is supposed to be. This company calls my husband who is the co-signer on this account and demands payment from him even though it has already been paid. The reps that call us are very rude and they can never give us a direct answer to any of our questions. We have considered taking legal actions with this company.