I had a payoff amount of $15,287 in Nov. I secured funds for $15,000 in mid November. I sent the 15K. That left a balance of $287. I spoke to them in Dec 08 and twice in Jan 09 expressing my willingness to pay off the $287. I set a date of Feb 6 to pay $100 and the rest within 2 weeks. They sent me 2 different bills claiming I owed more than the $287 and even the website had a different amount. Come to find out out, they didnt apply the $15K to my dec payment or any other months that would follow (I paid them 3 years worth of payments at least!).instead they added it to the principal only. They reported me to the credit bureau's for being a month late on the $287 even after I worked out a deal. They were mad because they lost years worth of interest because of the $15K no doubt about it. I have since paid in full and will be vindicated on the credit report! They never told me they only applied the money to the principal. Also the reason why they didnt apply the $15K to the dec payment date was because I sent the large sum "too early". Becareful and Beware they are snakes and their stocks are plummeting!!
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