since this company was handed over to them from (CITIAUTOFINANCIAL ) IT HAS BEENA NIGHT MARE .. FROM CUSTOMER SERVICE TO PAYMENTS. EVERY TIME I TRIED TO CALL THEM AND ASK WHY WAS I BEING CHARGE A LATE FEE FOR 4 MONTHS ( EVER SINCE I GOT THEM ) WHICH CALCULATES TO THE 4 MONTHS LATE FEES .. THEY PUT ME ON HOLD .. AND WHEN I TELL THEM SINCE YOU GUYS SAY YOU RECORD EVERY CONVERSATION THEN GO BACK TO THE PRIOR CONVERSATIONS AND FIGHTS THAT I HAVE HAD WITH YOUR COMPANY.. I GET NO ANSWER.. I HATE THIS COMPANY NOW MY NECT STEP IS THE BUISSNESS BUERUE... read full review »