I purchased a mattress set from Sleepy's with the offer of 0% financing for 36 months. My payments were $74 per month. I set up automatic bill pay for it to go out each month on the FIRST of every month. Several months after, I recieved a collection notice saying that my account was referred to a collection agency. WHAT??? I paid every single month! I called to rectify the situation. Because my payments had been recieved before the statement was cut on the THIRD of the month they were applied to the previous month. Again, WHAT? I have... read full review »