AES employees are incompetent and dangerous. THey CONSISTENTLY give me wrong information. They have called me on my cell phone insisting I make a payment immediately because it was late, so I made it, then found out months later that they had been wrong, then misapplied the other payment to principal and continued to harass me again about the next payment. In another instance, I made a full payment of 500 as agreed and they thanked me by reporting me to the credit bureau. read full review »