Does anyone know if what they are doing is legal? How can they close our accts and then keep billing us the interest. Payments don't post on time, and then we get billed the delinquency charges. We recvd a phone call today saying our acct # didn't match. Our statement said payment was recvd on time, but they are now saying it was returned do to wrong acct # and now have to pay a delinqueny charge and a return charge. What a crock!!! read full review »