I went from being on time to being 52 days behind even when I have my receipts. The are evidently using my payments towards late fees or something as such, but no one will tell me what the fees are for. I'm getting ready to contact an attorney regarding this company. I can't believe, with all the refinancing and such that is going on right now, that there are no agencies to assist consumers with problems like these. This company needs to be wrangled in. If anyone knows of such an agency or company, PLEASE let me know. read full review »