Worst customer service I have ever encountered in my 48 yrs of life. I work for the Goverment and if our customer service was this bad we would be fired I am sure. I finally got one (american guy) after 3 hours of recalling, holding, being disconnected, and inability to understand or be understood. This guy researched for me and found out the payment I had made Oct 1 on this account I co signed on was not properly credited and therefore I had a 60 day late on my credit. The kicker here is that I called them on Oct 22 and they said it was all okay. I have never delt with such an awful organization/company. read full review »