Drive Financial review: This company needs to be driven out of business! 169

I just want to say to the joker who posted about it being the customers fault...think again. Yes, i'm sure some don't make their payments like they should, but I did. I made them on time EVERY time and I even paid over every month. In two years my balance only went down $1600. Now, they didn't call me because my payments were on time but I hated that I was paying all this money but the balance stayed the same or went up.

We traded that car in September for a new Tahoe and got financed with GMAC. I'm so happy i'm out from under Drive!

I'VE PAID OVER $18, 000 SO FAR ON A USED 2003 PT CRUISER THAT I'VE HAD APPROXIMATELY THREE & A HALF YEARS. I WAS SHOCKED WHEN DRIVE FINANCIAL SAID INSTEAD OF A TWO TO THREE (2-3) THOUSAND DOLLARS DIFFERENCE IN BALANCE, THEY HAVE CHANGED IT TO OVER $17, 000 IF I PAID IT OFF TODAY; IF NOT WITH THE ACCRUED INTEREST IT WILL TAKE AN ADDITIONAL FOUR (4) YEARS TO PAY IT OFF AT THE CURRENT $485.00 MONTHLY RATE. I'M CURRENT ON PAYMENTS. THE CAR WAS ONLY WORTH $10, 000 WHEN I BOUGHT IT. DRIVE FINANCIAL ASSURED ME THAT THE DEALER (MATTESON AUTO MALL/MATTESON, ILLINOIS) WOULD FIX MY CAR THAT WAS DEFECTIVE AT TIME OF PURCHASE. BOTH COSPIRATORS LIED. DOCUMENTS PROVE IT !

We have a loan with Drive Financial and when they called to let us know that we were behind I met their terms to catch up but what they failed to do was tell me that in a few days that I would be in the same boat.

They failed to tell me that our late fees compounded. When I got my call to day we were 26 days past due but I could have resolved that when I met their payment arrangements in April I called 4 times to make sure that this was how it was. My husband said an automatic payment was supposed to come out of his account and it never did.

This is not cool!

They are harrassing by phone. They deny they have received payment even when I have proof of making an online payment. We have been trying to change the due date for two months now so we can insure that they have their payment on time and we can't even get them to do that. I regret the day we ever became involved with drive financial. I did not capitalize their title, because I do not consider them a genuine business. They have no class and certainly no morals!

I used to work for an automobile finance company, one that truly did suck. I now work in insurance. But let me just say this. You are simply a baby. I can't believe that you actually stated that DRIVE should have called you to see if you had physical damage coverages on your car. Do you know what would or could have happened if they did and you did not possess the coverage? By contract they could have repossessed the car and I'm sure you'd be on here crying about that too.

Secondly, you mentioned insurance from Drive? What insurance would DRIVE have on your vehicle? Lienholders do not insure vehicles in common practice. They may have insurance for the loan, but that's not the same thing. If anything they may have sold you a "gap insurance" product that would kick in if you totaled your car and there was not adequate primary insurance to pay off your loan amount.

You may also have this confused with a leaseholder, a leaseholder under state law could be held responsible for liabilies if you were at fault for an accident since technically they own the vehicle and lessee in all intent and purpose is just renting the vehicle until the lease matures. That is why most leaseholders make you take out a much higher than usual liability limit.

Now, I feel for you with the length of time it has taken for them to have the vehicle salvaged, but no matter what you are on the hook for your loan balance. If they salvage the car and there is still a balance you will owe it and truly they are within their rights to collect on their debt. And I'm not sure about Colorado law, but you may want to check to see if the company legally even has to take possession of the vehicle after it's totaled for the sake of salvage. Your contract may read it's your responsibility.

Try paying your bill electronically and see if the problem persists. If they are really processing your checks about a month after you're mailing them and charging you for it, I'll be you have a great case against them.

I used to work for a turd of an automobile finance company and there may be one more thing that has you amassing charges. They may have lost or misposted one of your payments. So to you it seems that they are processing your payments slowly, but in actuality they processing them when they receive it, but it's actually paying the previous month's installmen. Call them and make sure that all of your payments have been received and you have credit for them.

I dont get how it is Drive Financial's falut that you all got screwed on the amount you financed on your car. Yes the interest rate is high, but hey, do you want the car or not. you should be greatful that you are even approved if you are being financed through them. they are considered a last resort and if you are declined through them, there is no hope for you. If you actually read your contract that you sign it lists your payments, amount finance, interest rate all at the top in BIG BOLD LETTERS...they have to it is a federal law called the Truth and Lending Act to list it all much larger than anything else. I wouldnt buy a home without looking at my contract why would you not look at your contract for the car. They cannot go and change the amount of your payment it is not possible considering there can be no alterations to that section with out your signature. So if you do your homework and clearing you people know how much your car is worth then DONT PAY THAT MUCH...if the car is worth 10k then why would you agree to pay 15k for it before taxes or interest rate. that is just stupid. As far as not making your payments...not their falut...all yours...YOUR PROBLEM they are calling. They gave you money to borrow and you are not paying it when you said you would. That cost them money. You wouldnt appriciate if you gave your friend 15k and they didnt pay you back on time and you had to pay that money back yourself (out of your own pocket) well where do you think they get their money from...guess what another bank...and they have to pay interest on it too, and if you dont pay on time it cost them...it cost them to lend you money for that car you dont need. just a little information for the ignorate out there.

i work for drive... NOW BEFORE YOU START AIMING THEM MISSILES AT ME HOLD ON A MINUTE...

do any of you know that before you sign that contract on that high ### interest that you are paying that you can actually negotiate with the dealership to get it down?

do you know what a simple interest loan is?

do you know that the rudest customer service reps come from the actual company DRIVE FINANCIAL and not from the outsource offices ?

i know it seems like we're all a bunch of heartless brutes here to embarass you into paying ... but honestly... SOME OF YOU DESERVE IT...

Its so true... when someone owes you money, and its money you need because someone else is waiting on it for you ... wouldn t you get ### if they signed something stating that they will pay you on the 3rd of the month, and every month they want to pay you on the 9th... or the 29th ... its not very good business going or coming is it ? because you're having to pay the person you said you would pay ahead of time, and then behind it, you're still not getting money from the person who promised it...

aside from that... why do so many ppl think that drive cannot do without them ... amazingly... i get cussed daily because i ask ppl... so why were you past due... FIRST THING OUT OF THEIR MOUTHS I AM "ONLY" 9 DAYS PAST DUE ... ahhhh... ummm... if you have a grace period wouldn't it mean that you are not losing anything for those 10 days? Simple interest loans are loans that do NOT have a grace period because each day more of what you pay goes towards interest than to the loan principle, and it gets worse if the account is extremely past due.

i mean its like you ppl think that agents don't have bills to pay as well, and honestly... on the other hand... SOME OF THE ILLITERATE SNOT NOSED BUBBLE HEADS that work for DRIVE need slapping around, i've done 3rd party collections ... THERE IS ABSOLUTELY NO REASON FOR AN ACCOUNT WITH DRIVE FINANCIAL TO BE TREATED IN THE SAME MANNER THAT A 7-10 YEAR DEBT IS HANDLED...

we're trained to be customer service first, collectors second at DRIVE, howeveeeer... seems that goes poof, as soon as we hit the production floor in some cases.

my suggestions, always keep track of your monetary history, either take it off the website, or have it faxed to you, if you want you see your loan balance drop significantly, attempt to get at least 2 and a half months current, that way your payment is coming straight to principle and not to interest. take advantage of AUTOPAY, its free to yourself and automatic... even if you have to set up an account for your car note... after all, you drive the damn thing... everyday sometimes 2, 3, times a day... wouldn't you like to know its yours?

believe it or not, some of us "account managers" don't care about your credit... being realistic, but we do care about the fact that you're human just like us, and if our parents, children, siblings, husbands, wives, etc etc were hospitalised, we would want to be with them, paying to make sure they are comfortable, or if we had a really bad month and had to miss a payment on our mortgage, we would expect the bank to understand, or would we? because you see, we can't move the house, when the bank comes to foreclose on me... i would be itching to pay ... think of life in that way... we have to- as agents... many of us get in trouble with (overlords) for not telling a 6 day past due customer 'WELL YOUR ACCOUNT WAS DUE 6 DAYS AGO.. WE WANT THAT PAYMENT NOW!' simply because it sounds absurd to us too... but its our job... and don t come with the whole crap that oh, thats the best i can do... too many ppl have a negative opinion of the agents who work in call centers because of past telemarketers and or collectors, check the website... YA NEED A FRICKKIN DEGREE TO WORK HERE ...

i once had a man call me an 'ineducated black girl' because i told him i can calculate what his interest was on his last payment for him in order to explain why his principle hadn't moved ...

OH AND ABOUT THAT...

WHEN YOU GET A PAY OFF QUOTE, IT COVERS THE NEXT 15 DAYS FROM THE DAY YOU REQ IT... DON T BLAME THE AGENT FOR TELLING YOU ONE THING IF YOU ARE GOING TO TRY TO SURPASS YOUR OWN ARRANGEMENTS WITH A LOAD OF CRAP?

ah well, i guess all i am is a stinkin debt collector who has no heart and can't do any better at a job... yeah me... who speaks two languages and lived in europe for quite some time paying for my own schooling off the job that i had at 18...yes... believe this is the best i can do ... since everybody is demonstrating some degree of human behavior by saying its us the agents that are screwing you, not the fact that you screwed yourself at jump when you signed a contract that you couldn t handle at a dealership that FINALLY accepted your offer of credit knowing that you were capable of doing ### but messing up your own credit before that.

anyway... enjoy your day ppls, my suggestion, rebuild your credit as best you can, keep the accounts current, do not let them pass 30 days ... if you do THAT AIN T OUR FAULT... ITS UR OWN DAMN FAULT!

I JUST PURCHASED A NEW VEHICLE WITH DRIVE FINANCIAL.IS THERE ANYTHING GOOD TO
SAY ABOUT THEM?

I have been paying for my truck for 3 years and the amount I owe never seems to go down. I have asked for a copy of the original sales slip and I/ve been told I sould have kept mine. I however do make my payments on time and I still get alot of interest. I would love to know what to do because i should have been almost finish paying for this truck. Yeah, I know I had a poor credit history when I was given to them but that was three years and a lot of payments ago.

HELP! me if you can

Try using a Moneygram or Western union which they would receive the same day or call in and make your payments over the phone with a rep

Soooooo ... you drove a car for 2 months that you had no contract on. Didn't make any payments on it. And were surprised when you started getting hit with bills and fees? Sounds like you shouldn't have gotten a car in the first place. Not saying Drive Financial is innocent, but you sound a bit like someone that was looking for a free ride then was surprised when you got bit by the snake you were playing with.

As a matter of fact, most of the complaints registered for this company involve folks either be "late, " "behind, " or some other form of unpaid status with the company. I find it hard to take any of the complaints I've read seriously when 99% of them involve the words, "because we were behind ..." or "we were late and then ..."

Bottom line is, if you can't afford the car, don't get it then blame the company when you can't pay.

I understand I also went through drive but made the mistake of getting two vehicles at the same time. One of the vehicles ended up being a lemon and when I went through the dealership to get them to replace my vehicle with another that is when I found out that I had payed more than the suggested retail sticker price by at least 3, 000 dollars. If it gives you any comfort I was never able to pay off the last vehicle and they have been looking for it for a while now and have not gotten it.

I am new to Drive, BUT, if my payment is one day late, or shoudl I say I sent the payment and they have not credited the account, the phone starts ringing at 7am every day until 10pm 7 days a week. I turn my phone off so family now complains becasue they cant get ahold of me. They now call me at work, I hate this company and want out.

My husband and I went to Blue Ribbon Auto Center in Roland Oklahoma to purchase a 2006 Dodge Grand Caravan on May 20 2008. On that day we took financial paperwork they said they needed to finalize the financing and we traded our old van for $2000, because that is what Drive want down to finance the 2006 or so Blue Ribbon said. At this point we think everything is okay and the financial manager tells us we will receive our papers in the with in 14-days, well that never happened. Because the day before the temporary tags were to expire I went to Blue Ribbon and asked them what was going on, and then I was informed BR could not reissue me another temporary tag. We got concern after the dealership kept giving us the run around. Well Jul 11, 2008 calls my husband asking for a payment on the 2006 van for Jun 19, 2008, my husband told them that he would not give them a payment because we did not have contract or an account number to reference anything to verify what he was telling us was true. Also at this point we don't have the title to get the van register in our name either. So like so many of you have said in your complaints they have been calling my husband at work harassing him many times of the day and hanging up on him also. So Jul 15, 2008 went to a lawyer with this information we have. Our lawyer tried to call Drive Financial to ask was going on but couldn't get thru, b/c we didn't have the account number so the automated system said to use the SS# and every time the lawyer tried my husbands SS# it would not take it because it did not have it in their system. So some how they are able to demand payment even though we were not in their system. So with advice of our lawyer he told us to return the vehicle, to which we did. Starting Jul 17, 2008 the rudeness and the harassment phone calls have started coming in. The catcher is that Drive Financial sent us a decline letter for our contract because they said they had return the contract because Blue Ribbon would send the information they needed, and letter was dated Jul 7, 2008 we got Jul 16, 2008 and their Collection Dept. called Jul 11, 2008. Needless to say Blue Ribbon is the 1st to be in court, next will be Drive Financial. Drive denies sending the decline letter but I have it in my folder right now. I will post back with the results. If you to know more e-mail me.

Hey everyone if you have a problem also with the dealership giving you problems in the state of oklahoma, you need to contact the State of Oklahoma Used Motor Vehicle & Parts Commission but if you live another state you will have to search your state. These people regulate the dealerships and they make them answer your question and if your not satisfy they will investigate it further.

you guys need to pay your bills on time and stop complaining no one told you to have bad credit

pay your bills!

you should see if you can afford the payments before taking out the two vehicles

if you read the contract it stated there is a daily per diem if you didnt realise every time you make a payment late that amount will will be taken out daily for interest ...you need to stop complaining so much and pay your bills ...by the way you lucky they accept you and you bad credit

Well if this is the case, you should try a different method of payment, there is Money Gram, Western Union, Auto Pay, Cheque and CC over Phone...And if you are trying to avoid the processing fee, Autopay is best for you..It's easy, free and very convenient...NB: Your account must be currect to set the Autopay up and you much have a bank account to do so

LOL...It's really silly to hear yuo say something like this...Loan sharks? Your the one who wanted the loan to get the car...remember!? All you need to do is make your payments on time...LOL

I agree, how do we file a legal report without having to pay lawyers. I'm not getting a layer over 17.00 that Drive is trying to make me pay.

If any consusmers have noticed any unusual charges on your original contract you may have a claim. There appears to the potential for an illegal extraction claim on many contracts. Fell free to contact me @ gniblock@niblocklawfirm.com or [protected].

I financed my 2003 Mustang through the dealer--they had poor credit financing, which I needed since I cosigned on my daughter's car several years ago & it got repode & you know what happens after that! The dealer assured me that Drive Financial was a good, reliable company to work with. Boy--were they wrong! Not only did the dealership go under (now being investigated for fraud, deceptive practices & other lovely things by the FBI) I have a void service contract with no way of getting it taken off the loan, or getting a refund on what I've paid already. Drive Financial does not credit payments when sent--right now they say I owe over $1100, even though I sent them a record of all the payments I have made since I bought the car. My records (and those of the credit union) say I only owe $374.40 for this month's payment. Where & how can a person report something like this--all this crap is going on my credit report & it's not true! I can't afford to spend millions of dollars on credit reports, lawyers, etc. to get this fixed! Something needs to be done before too many other people get ripped off.

This is the worse finance company I have ever had to deal with.

I financed an automobile with this company 30 months ago. I financed 18K with payments of 479 per month. After paying more than 14K With no missed or late payments, I found that I still owe 13K on this loan. The company refuses to refinance or negotiate with me to lower the amount owed. I feel totally helpless.

I spoke with a rep 2 weeks ago to see if my recurring payments were canceled. She said no, they will only be cancelled if I submitt to them in writing a notice to cancel. Therefore, I was under the impression the payment would be made for the month of Sept and there after. To my surprise the payment is now late.

I call in today to see what's going on and am told the recurring payments were cancelled and if I don't pay today I may recieve a late fee and in order to make the payment today there will be an additional $10.95 charge. This is ridiculous. I asked for the $10.95 fee to be waived they said no. It is not there fault the payments were cancelled. I asked if I sent the payment in by mail would i still recieve a late fee they say, "YES". I am disgusted. I was placed on hold for exactly 47 min. to speak with a supervisor (my phone shows how much time passes while your on a call). The supervisor would not talk to me unless I gave her my ssn, which is not something I live to give out over the phone. She said there is nothing she can do and there's no way I can contact her supervisor. This is ridiculous. Is there some way I can have my auto loan taken over by a different company?

My husband and I financed a 2002 dodge durango thru drive financial in 2004. We were told our payments we going to be 225.00(not the case they are 400). Number one we never got a payment booklet. number two we paid our first payment by check thru the car dealership when we purchased the car THE SAME DAY! A week and a half later 15 days before our due date they called my husband at work my mother (co-signer) and every other contact person we had put down telling them we were three weeks late with our payment. We had purchased the car 1 and a half weeks earlier!I called the dealership where we got the car and asked them about the payment and they told me that they send it electronicaly and they get it right then. I called drive back and told them what the dealership had told me and they said that they had not recieved anything and that they were sending out a repo warrant for the car. My husband went to the bank and sent them another cashiers check. Long story short its now 2008 we still have not paid off the car yet they still say we are two payments behind and have over 8 g's in late fees. THATS almost what the asking price was for the car in the first place. I had worked for 5 years to get my credit back to where i could get a car and they have ruined it for the most part beyond repair.If i could go buy a new car i'd drive this durango up their [censored] sideways! They suck at customer service.we have even sent them proof that they cashed the checks but they still say they didnt get them because they were not posted to my account.what a crock!

Drive Financial just repossessed my car yesterday. I completely understand how you feel. I still owe them over $20, 000 on the car that I financed through them 2 and a half years ago. I called them when the tow truck showed up to ask what I could do and the rep said I could pay them $1700. I explained that if I had $1700 I wouldnt have had my car repossessed. She also said that had I even tried to pay them $100 that would have helped. Anyone knowing this company knows that you cannot just pay them $100 whenever you can. They charge you all kinds of fees and I even get charged $10.95 everytime I paid them a payment. I asked once about refinancing through them and the rep was very rude saying that no one would refinance me and they are not a company that does refinancing. They continuously called my job...my home and my cell phone and were very rude to anyone that answered the phone. This company is the reason Americans cannot get out of debt. Rediculous and lousy. Anyone let me know if they file a class action lawsuit against these jerks.

I really agree with you all because the did me the same way and they gave me a rude ### account manager name Laneka Edwards . That rude ### even told me that she didnt care about my conditions that i was in because hell she didnt care what happened to me she just wanted me to make the payment so that she could get her bonus. I explain to her that i was trying to finish school and that rude ### laughed at me and said that good for me, hell she admitted that she dropped out of school and never graduated; and bragged of how she was in control of me.

I purchased a vehicle in April '08. I had to get the vehicle co-signed by my grandmother which already made me feel bad because the deal was done kind of shady being that we live in two seperate states. After purchasing the vehicle, I started to read the complaints posted on here and felt skeptical about this company. But I did like I was supposed to and made my car payments on time always. Well still having bad feelings about Drive, I traded the vehicle in before my September payment was do. The dealership got a payoff quote from Drive and was told by them that they had a 10 day grace period to mail in the payment. Well this week me and my grandmother both received phone calls stating that the car payment was late. I explained to the girl on the phone who was very rude that I no longer had the vehicle and she told me to call the dealership to see when they were going to send them the payoff check. First of all I told her I felt that was not my responsibility to call the dealership when all arrangements were made with them and the dealership in the first place. And after me politely hanging up on this rude customer service rep. I called the dealership and got the information they needed and called Drive back which was on Monday. Well here we are today is Wednesday and here I am being harrassed again this time around they want me to have the dealership call them to make payment arrangements. This company's employees are so unprofessional and rude. My advice to anyone far as Drive Financial goes. "No matter how bad you may need a car, if the deal is going real shady and your having gut feelings that things just aren't right back away from that deal. There are lots of honest companies out here that will finance you." Even the dealership where I purchased my new vehicle said how much of a rip off this company is.

I CALLED SEVERAL TIMES AND SPOKE WITH A COUPLE OF VERY RUDE CUSTOMER SERVICE AGENTS. THEY ASK ALL YOUR LIFE HISTORY INFORMATION BEFORE THEY TALK TO ANYONE ABOUT THEIR ACCOUNT. ONE ASKED TO CONFIRM HOW MUCH I PAID FOR DOWNPAYMENT AND I TOLD HER AND SHE SAID YOU SHOULD HAVE PURCHASED A NEW CAR CASH. WELL TO MAKE IT SHORT, THEY DO NOT DO DEFERRMENTS AND THEY DO NOT ALLOW ANYONE TO TALK TO THEIR COLLECTIONS, MY ACCOUNT HAS TO BE IN COLLECTIONS BEFORE I CAN CONNECT WITH THEM. HOW CAN I GET OUT OF THIS MESS WITH THEM. THEY ARE HORRIBLE AND RUDE. THEY ASKE SO MANY PERSONAL QUESTIONS ABOUT YOUR LIFE THAT THEY ARE PRYING INTO PERSONAL INFORMATION. I MADE MY FIRST PAYMENT IN SEPTEMBER AND AND WISHING EVERY DAY TO PLEASE HURRY THE MONTHS TO PASS SO I CAN GET OUT OF THEIR SYSTEM

"The dealership told me to accept the higher car payments and then I would be able to refinance later."

Never agree to something that is not in your interest unless they give it to you in writing. As soon as they DON'T want to put it in writing you will know they are lying.

Dude,
In all honesty it is your responsibility to make sure the payoff gets to the bank (or finance company, or whomever holds your loans). When you sign the contract you are agreeing to pay a certain amount each month, on time for the length of your contract. If that happens as you agreed, then you own the vehicle. When you decide to do something other than that (like sell the car before it is paid off) then it is up to you to follow through to make sure that the payments are made or a payoff is received on time.

Think about it as though you were the lender. For all practical purposes, they own the vehicle since they put the cash up for it. So they expect a monthly payment. You think that because you tell them you sold it that they should wait for how long to get their payment? They have no proof that you really sold it. And car dealers know the importance of sending a payoff quickly, because they want to title to be released to them so they can re-sell it. I bet that 99% of the time, a payoff check is sent immediately to the lien holder from the dealer. So when your finance company sees that your account is past due and they don't get a payoff check, it is logical that they would call you. And since you signed the contract to pay them (not the dealer you sold to), they can only contact you. It isn't up to them to track down the vehicle or payment -- it is yours to get it to them.

It sucks that you had a problem, but sounds like there may have been more to it if your dealership wasn't sending them the payoff.

This too happened to me where the vehicle that was financed was actually financed for more than it was worth. Our salesperson at Team Ford in Navasota, TX actually listed equipment to calculate the worth on the vehicle that isn't even on our vehicle. We signed the contract almost a month ago and then they came out to our house and had us sign a different contract, becauuse we needed a co0-buyer listed. We haven't gotten our payment booklit or our license plates. It's been a mess. So much so that we are considering getting our lawyer involved. So anyone who is considering purchasing a vehicle and hears the words Drive Financial, whatever you do, don't use them, there are other companies that won't cheat you out of your money. Also, whatever you do, don't use Team Ford.

I have a Loan from this company and the car dealerships are pulling the fraud with Drive, My car stcker price was $20, 000 i had a trade in and they offered mye $5, 000...well at the end of the day they tried charging me for a $28, 000 loan. Why would i offer more money then the sticker prices was? i must me a real fool. then the car dealer tells me my payments will not start unil Sept, i started paying in Aug. they kept telling me i was late. this company SUCKS.

Oh I forgot to tell you how Great there Customer Service was, the customer service rep. first called me a dead beat. when i was trying to explain about the car dealership and then when i flipped out on the Rep. she backed off...dont they understand our loans pay there Salery? All i was trying to tell her was that they are allowing Car dealerships to pull fraud on there customers...Also about the price i went back to the dealer and had them adjust my loan. i was told it was there Error...so watch out for there Errors! i GUESS EVERYONE WANTS TO PAY MORE FOR THERE CAR THEN THE STICKER PRICE AND TOP IT OFF WITH MY TRADE IN.

I have gotten 13 phone calls from 888/222/4227 over the last 36 hours! I have no accounts with them nor have I EVER had any accounts with them or ANY of there affiliates. They wont stop calling no matter what I say to them!

I have all the same problems as the rest of you. They call my house day and night starting at 8am. I have never missed a payment. I am late from time to time and when I am they call to harrass me! They have now tacted on 109.00 in late fees. That is alomst half of my monthly payment. How can they do that and get away with it? Customer service is a joke and I can not even make a payment online or over the phone with out having to talk to someone. They say my account number does not exsist lol. I laugh and say then stop calling my HOUSE! This company sucks and they need to go DOWN! I get so sick of them and I dreaded calling in my payments every month DREAD! That is not right its not right!