I don't have alot of time to explain. But I've paid them a check by phone on 2 different occasions. Each time talking with a representative and each time recieving a confirmation number. Now it turns up I'm 3 months behind??? My checks were valid, my account number was repeated back to me, and if there were an error someone should have bothered to call me and let me know so we could fix it. Now I late fees, and marks on my credit. I didn't even apply for a loan with these people my account was sold from another bank.