CNAC Customer Service Reps are the worst. I'm one month shy of it being 1 year since i had my car I never been late paying my bill but my last t 2 payments was late and I called them and let them know why I was late, but regardless of me calling them and letting them know they will still call and harass you anyway. it's time for me to shop around to get my car refinanced. Not only have this man called me about my own account with madness but he has also harassed me about someone else that have an account with CNAC that put me down for a reference. read full review »