This company has done this to us twice in the past 9 months. Ok, I know my payment was late but in this economy that is the way it is. In May 08 they did the same thing took out a payment on a date prior to when it was suppose to be done. I figured it was human error. Back then they did not refund the payment and the bank we were at did not do late fees, lucky for us. However, this time the payment was taken out 10 days prior to authorization date, and our new bank does late fees. This is a nightmare. Our only hope is we caught it in time... read full review »