We have been with Citizens Auto Finance for several years within the last several months we have been getting "courtesy" phone calls not so much courtesy they are very rude demanding their money. Okay find if the payment is late but I have never been late with a payment since we have been with them. When I called the company itself they stated this is a new department and they have had alot of complaints against them. I could see if I was late all the time with our payment but never being late, I feel harassed by them, I have three more years on this loan and I can not wait for it to be done. I have already discouraged several people from going with Citizens Automobile Finance. This is not good customer service.