I have been purchasing from RAC for years! Today I called to make a payment. The guy that answered, David NEVER can give me an accurate pay off amount. It always varies! I ended paying off a purchase than making just a simple payment! Because they don't seem to be SMART enough to explain anything or can figure out what the exact pay off is! They females there are ALWAYS SUPER RUDE TOO! I AM OUT $450 when I only intended to pay $199!